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Ceffer's comments

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Ceffer   ignore (1)   2011 Nov 2, 6:11pm   ↑ like (0)   ↓ dislike (0)     quote        

Government, insurance companies have their fingers on the scales, so to speak. It behooves them to make the actuaries extend life estimates because payouts can be lower over time with nobody the wiser, plus it makes everybody "feel" good to think they will live these long lives.

Nursing Care insurance? Your policy will change underwriters numerous times over the 20 or 30 years you pay premiums, then you are too old to fight the insurance companies when they deny coverage, the perfect insurance product from the insurance company's view, that's why they carry such great commissions.

As you get to your 40's, you start to notice something funny, people in your age group you didn't expect start to deteriorate and occasionally die from sundry causes. A lot of people with pre dispositions to illnesses and cancers or self induced conditions such as drug use, smoking and drinking to excess start to become quite ill and in poor health in their 40's, many are trashed in their 50's, long before medicare kicks in at age 65, those are the ones who are bankrupted by medical bills or often become disabled and can't work, but cost the medical system umpteen dollars.

One in seven men in the USA at least die before they even get to collect medicare at age 65. In Russia, the men can collect their pensions at 59, but only half live long enough to do so, most usually because of alcoholism.

I think good health is less common than is commonly presumed, and the "powers that be" nurture the delusion of long life and good health to keep the herd from getting depressed or unhappy.

Ceffer   ignore (1)   2012 Mar 22, 4:58pm   ↑ like (0)   ↓ dislike (0)     quote        

I see occasional listings in Santa Cruz close to the beach going into foreclosure for the second time, once when an investor caught the falling knife around 2008 and bought the first foreclosure, and then again when the price dropped another 100-200k after that, foreclosure #2.

Ceffer   ignore (1)   2012 Apr 3, 4:52pm   ↑ like (0)   ↓ dislike (0)     quote        

dunnross says

As it stands you can buy a house in the best town in Chicago for about 1/5 of what you would pay in a comparable fortress area of SJ/SF. As far as the amenities, let's compare:

I have been watching a lot of real estate shows on HGTV from Toronto, Canada, probably a comparable city to Chicago though in Canada. The real estate in Toronto is extremely expensive compared to Chicago, why? Is Canada that much more prosperous than midwest USA?

Ceffer   ignore (1)   2012 Apr 15, 4:58pm   ↑ like (0)   ↓ dislike (0)     quote        

Many retirement advisors and funds don't want you to retire. They want you to keep working towards a pie in the sky goal i.e. a 3000 sq ft house with a golf course on one side and a boat and waterway on the other, restaurant meals two or three times a week and unrestrained travel/vacations/cruises.

Fact is, they lose money when you start spending yours to retire, so what do you think they are going to tell you, plus, as noted, advisors to retirees aren't retired themselves, they want to climb on board your savings, so to speak. Your money, their brains.

Time and health become more valuable the older you get, you will never get them back if you don't jump ship as soon as you can and then do the best you can and enjoy while you can.
I have known some financial advisers, they do not all practice what they preach.

Ceffer   ignore (1)   2012 Apr 17, 6:31pm   ↑ like (2)   ↓ dislike (0)     quote        

Too much. After all, need to pay those CA taxes so CA can continue to purchase the best welfare cheats and prisoners in the country, great investment, CA! Who needs to adopt those third world babies when I am already the daddy of every illegitimate child in CA.

What's with all the taxes you guys are paying, you must be the "one percent"??

Ceffer   ignore (1)   2012 Jun 26, 4:17pm   ↑ like (0)   ↓ dislike (0)     quote        

Simply the wave of the future. No other way to cut the gordian knot of politicians promising taxpayer public money to other politicians and lobbyist unions, and kicking the ball down the road. No other way of rolling back the pork barrel of self dealing that has been going on in the state and cities for years.

I read somewhere that there is a secret congressional committee studying the ways and means of allowing states to go through a form of bankruptcy for the purpose of re-negotiating all of the excessive giveaways. There is no way that politicians will ever directly face the angry mobs of entitled groups like the Gov did in Wisconsin state by state without bankruptcy to shift the blame.

Ceffer   ignore (1)   2012 Jul 2, 7:31pm   ↑ like (0)   ↓ dislike (0)     quote        

He can't apologize for being an idiot. All he would spend his time doing is apologizing and he wouldn't have any time left to be an idiot.

He is certainly extraordinarily obnoxious and rude to the woman he invited onto the show.

Ceffer   ignore (1)   2012 Jul 10, 5:46pm   ↑ like (0)   ↓ dislike (0)     quote        

In California, so many of these towns and municipalities were created less for governance than as a springboard for influential locals overseeing development. City planners were in bed with the developers and everybody getting rich.

When development started tapping out, then the municipalities were sources of exorbitant pay and benefits from the tax base, with whatever sweetheart deals left being doled out behind closed doors, usually in the late night time after the public hearings were over.

Bankruptcy, consolidation, and outsourcing of services is the probable wave of the future with fewer towns and cities, they just won't be able to come up with the money to keep their monsters alive.

Of course, then California will have to figure out a way to go bankrupt as well eventually.

Ceffer   ignore (1)   2012 Jul 14, 4:22pm   ↑ like (0)   ↓ dislike (0)     quote        

Gee, I didn't know that prison and football were so much alike.

Ceffer   ignore (1)   2012 Jul 15, 5:22am   ↑ like (0)   ↓ dislike (0)     quote        

Maybe women are the new men.

Ceffer   ignore (1)   2012 Jul 15, 3:56pm   ↑ like (1)   ↓ dislike (2)     quote        

Let them eat beer, cigarrettes, drugs and lottery tickets.

Wait, they are already eating beer, cigarettes, drugs and lottery tickets.

Just keep the kids as pets until they are six or so and not cute anymore, then give them their own beer and cigarettes and tell them to get lost or join a gang.

Save all the fresh veggies for the anorexic liberals who have such great ideas about spending everybody else's money. Maybe if they ate a juicy burger once in a while, they could think straight.

Ceffer   ignore (1)   2012 Jul 16, 6:31am   ↑ like (2)   ↓ dislike (0)     quote        

Scissoring to fruition? I though that's how lesbians assassinated unsuspecting heterosexual males, by paralyzing their diaphragms and cutting off the circulation to their upper bodies.

That's why I can never get on those machines at the gym, the lesbians are always on there getting their scissor muscles roided up.

Ceffer   ignore (1)   2012 Jul 19, 5:09am   ↑ like (0)   ↓ dislike (0)     quote        

Romney is the son of a politician who observed the best ways to manipulate the economy and the political system, but didn't have the time to apply the lessons in his own life. So, he tutored his son to do it with great success. Romney is the heir designated "rent taker" spawned by our system of politics and lobbying. He never would have been successful on his own.

Sort of like Joseph Kennedy becoming a bank regulator simply for the purpose of learning what he could get away with.

On the other hand, Obama's net worth has quintupled since he took office? Why is it that politicians who are financial failures in every other walk of life suddenly become financial geniuses as soon as they take office?

Follow the money, but nobody ever does to find out how these briberies take place under the radar.

Ceffer   ignore (1)   2012 Jul 19, 6:35am   ↑ like (0)   ↓ dislike (0)     quote        

"His wealth has increased primarily from books he has written. Clinton is now quite wealthy and it always seemed to me he had more corruptible persona than Obama but I dont believe he acquired his wealth while being President. Becoming President makes you a celebrity and book deals and speaking engagements flow forth."

So you are saying the bribery takes place by subsidizing book deals and speaking engagements, with lots of free promotion and publicity? Gee, it's so simple, even a Republican can do it!

Ceffer   ignore (1)   2012 Jul 31, 6:37pm   ↑ like (0)   ↓ dislike (0)     quote        

Doesn't look like beef curtains. Looks like anabolic steroid induced vasculature. Maybe they kicked her out before the tests did.

Ceffer   ignore (1)   2012 Aug 15, 5:04pm   ↑ like (1)   ↓ dislike (0)     quote        

Seriously, Contra Costa Times, a jackal beholden to real estate interests and real estate advertising?

Such an objective source, I guess the shadow inventory is pure BS, better run and buy right away before the market appreciation gets away from you, yada yada yada, better jump, stampede to your friendly local real estate agent and beg him for his tender mercies.

If economic basics do not support the market, then reversion to the mean, sooner or later, is the inevitable course. A dab of inflation, a dollop of higher interest rates, those temporary price increases will be in the rear view mirror. This is a manipulated market, and when the props fall out, the curves will start back down again.

Ceffer   ignore (1)   2012 Aug 20, 4:39pm   ↑ like (0)   ↓ dislike (0)     quote        

I think it will be a bargain at 20 cents a share!

Ceffer   ignore (1)   2012 Aug 21, 5:40pm   ↑ like (0)   ↓ dislike (0)     quote        

The question for speculators is how long will the fake market last, and when to get out before the next leg down.

In the meantime, a lot of deadbeats are getting long rides on free rent, so that their houses don't threaten the value of the bank's portfolios.

His comments on the lack of housing data transparency and the difficulty of getting real information, not phony publicity ops, speaks reams, the market is simply being manipulated to keep banks solvent.

Ceffer   ignore (1)   2012 Aug 23, 5:03am   ↑ like (1)   ↓ dislike (0)     quote        

All news is good news just before an election, remember the tradition of the Greeenspan put.

Wait until after the election, when the promises evaporate and the props fall out

Ceffer   ignore (1)   2012 Aug 23, 5:29am   ↑ like (2)   ↓ dislike (0)     quote        

Glad you guys are so trusting of the yelp-like internet extortion/blackmail/slander sites.

These sites contact the businesses after negative reviews, and offer to remove the negatives in exchange for advertising/extortion revenue.

Also, "ballot box" stuffing by having shill positive reviews is easy to do.

Any business that only has "glowing reviews" is suspect.

There are always customers that are willing to trash and slander a health practitioner on the internet over minor billing disputes.

Some of the best practitioners I know are routinely trashed on the internet because they won't stoop to the level of the extortionists.

I predict that internet slander and extortion will eventually be outlawed only because lawyers and judges do not want to be exposed, not because they care about anybody else.

http://www.foxnews.com/leisure/2012/05/31/calif-restaurants-decry-yelp-extortion/

Ceffer   ignore (1)   2012 Aug 23, 6:50am   ↑ like (1)   ↓ dislike (0)     quote        

You mean, self policing by a site that profits from extortion is trustworthy?

As if they would ever say anything that threatened their business model? Follow the money, how do the internet sites make their money. I suppose they don't favor the interests of those who support them?

You certainly should do your broader homework, but any troll with a grudge, agenda or a threat can write a negative review on the internet and it is there forever.

These sites take no responsibility for the harm they cause while profiting from the denigration of others, maybe you should get your recommendations from the National Enquirer.

Ceffer   ignore (1)   2012 Aug 24, 4:34am   ↑ like (0)   ↓ dislike (0)     quote        

Just put the tribbles in vita chambers full of MacDonald's grill fat and sperm, that way they can reproduce more efficiently.

Each new tribble gets it's own vita chamber and a welfare check! It will only take a few months to bankrupt the entier world economy.

If you are going to reward the behavior, may as well do it efficiently.

Ceffer   ignore (1)   2012 Aug 24, 11:22am   ↑ like (0)   ↓ dislike (0)     quote        

You are still way, way underwater. Live rent free as long as possible, then let it go.

Be sure to check all of the downside risks and legalities for your situation. It is a standard business decision.

I the loan were 20 percent above reasonable equity evaluation, I would make the payments, but not at that loan to value ratio.

Ceffer   ignore (1)   2012 Aug 27, 6:10pm   ↑ like (2)   ↓ dislike (0)     quote        

JodyChunder says

2.) Tattoo Body Hair Removal

Lots of tattooed pelts for the cannibal anarchists to wear.

Ceffer   ignore (1)   2012 Aug 29, 5:06am   ↑ like (0)   ↓ dislike (0)     quote        

APOCALYPSEFUCK is Shostakovich says

Cannibals conserve land by limiting the need for graves! KUMBAYA!

Cannibals also create lots of long pig fertilizer, makes the African Violets really purty.

Ceffer   ignore (1)   2012 Aug 29, 3:19pm   ↑ like (2)   ↓ dislike (0)     quote        

marcus says

I don't know if the pics you or others have posted and that you use as your icon are really Obama's Mom. But if they are, too bad you don't have a clue as to how they reflect on you.

It's ironic. You wish to put him down, but you put yourself down far worse.

I think the point is that Obama fosters and encourages the myth that the African man, who he hardly knew, was his real father, knowing that his biologic father is a far less savory and a profoundly hateful anti-American.

The Kenyan Obama merely wanted his visa extended to continue schooling in the USA, and participated in the ruse to give the child of Anne Dunham some kind of legitimacy because Barry's true father was married. Of course, Kenyan Obama was married, too, in Africa, but failed to inform the Dunhams. Anybody who really thinks that the African man, after seeing them both side by side, is really Barry's dad, then I have a bridge in Brooklyn to sell you.

Why would anybody want to protect Barry's lies? Because you prefer the blow dried myth to reality? Or because you don't care?

Obama's true background is beyond bizarre.

The good news is, he is actually an American on both sides, no citizenship issue.

Ceffer   ignore (1)   2012 Aug 29, 3:37pm   ↑ like (0)   ↓ dislike (0)     quote        

California only has anorexic, vegan cannibals.

What we need are bigger Venus flytraps, that dissolve people in a matter of minutes.

Ceffer   ignore (1)   2012 Aug 29, 4:13pm   ↑ like (4)   ↓ dislike (0)     quote        

Barry's real dad.
Here's baby Barry. The other is Frank Davis, his "mentor".

Ceffer   ignore (1)   2012 Aug 29, 4:19pm   ↑ like (2)   ↓ dislike (0)     quote        

The pictures of Ann Dunham were verified with facial recognition software. The house was identified as that of Frank Davis, from many of Frank Davis own photos of his home with him and guests, the furniture even matches.

Frank Davis was an amateur photographer, ardent communist, swinger, pornographer etc. etc.

Ceffer   ignore (1)   2012 Aug 29, 5:06pm   ↑ like (2)   ↓ dislike (0)     quote        

Because the American people prefer airbrushed myths. The Kennedys perfected the art from old Joe, who believed that public image was a commodity that could be bought and cultivated with enough money. Even today, there are people who buy into the Kennedy myth and the camelot claptrap, so old psychopath Joe's theory held up quite well.

Psychopaths are particularly adept at performing this kind of public consumption imagery. Glib charm, an brushoff for every query, setting blame elsewhere, diverting the topic etc. etc.

Sounds like a standard American politician, doesn't it?

Ceffer   ignore (1)   2012 Aug 30, 10:16am   ↑ like (1)   ↓ dislike (0)     quote        

I suppose it is just a highly circumstantial, one in a billion strange chance that Anne Dunham lofted the 10 year old Barry back to his grandparents in Hawaii, who just happened to select Frank Davis as Obama's mentor and grand dad's drinking buddy, to see and visit young Barry with Frank Davis three times a week for years.

Where did they find Frank Davis, from a random "Commies "R Us" classified ad?

Clearly, Barry's grand dad simply re-patriated Barry with the alcoholic, seedy Davis because he knew from Barry's birth that Frank Davis was Barry's biologic father. Grand dad Dunham also enjoyed the drinking and sexual seediness of Davis as well.

In Davis' autobiographical, bragging porno manifesto, he talked about a white woman who sought out men of color. Davis stated he knew her as a sexual partner. She felt "ethnic guilt" and decided reparations required her to submit to mild abuse and sexual relations with as many men of color as possible. Beyond Davis, however, she would only perform reparations once on each man of color, so she constantly need a fresh supply, which Davis was happy to provide for her. He says she contracted syphilis, and he later lost track of her.

One can only wonder if the woman was Anne Dunham.

Davis himself brags about pursuing and having sex with underage girls, with the help of his wives, no less. Davis' second wife was a white oddball, sexually adventurous Chicago heiress. His children with the heiress certainly look like they could be Barry's blood brothers/sisters, a lot moreso than the Kenyans.

Barry publicly mourned his mother's inability to get insurance for her cancer treatments when promoting Obamacare to the American public.

Anne Dunham was actually fully covered by employer insurance, and they paid everything except for designated co-payments and some smaller uncovered charges. Anne Dunham applied to her disability to cover the residual charges, and they refused because the cancer was considered a "pre-existing" condition.

Obama said she had "ovarian cancer". In reality, the cancer came from the dipstick end, i.e. Anne suffered from conditions often associated with sexual activity, i.e. uterine cancer and venereal warts that became malignant and invaded her uterus and then later, her ovaries. The venereal irritations were probably the "pre-existing" conditions that she probably suffered from for some time previously and had medical records for.

Anne Dunham got a Phd a few years before her death. Her "thesis" was a study on small business entrepreneurs in third world countries. The "thesis" was nothing more than a polemic screed on wealth distribution, that these small business people did not have access to capital that was monopolized by the "ruling classes". It is hard to see how she got a Phd, for a socialist editorial.

Weirder and weirder.

Of course, one wonders what is in those sealed college and law school files of Barry that he doesn't want anyone to see, at least till after the election.

Ceffer   ignore (1)   2012 Aug 30, 10:41am   ↑ like (1)   ↓ dislike (0)     quote        

Gina Rinehart will be the first on the spit when cannibal anarchy reigns, all plumped up by those inherited billions.

Yum Yum.

Ceffer   ignore (1)   2012 Aug 30, 12:04pm   ↑ like (0)   ↓ dislike (0)     quote        

JodyChunder says

Ceffer says

Grand dad Dunham also enjoyed the drinking and sexual seediness of Davis as well.

If even half of what you say is true, then the Dunham bunch sounds just about all right to me!

Yeah, they sound like a bunch of real fun people. They sure keep things interesting. Never a dull moment.
Of course, having seedy, morally bankrupt, energetically bizarre relatives seems to be a condition of office, I think all the elected presidents have had them. Don't know why Obama tries to spin it so hard.

Ceffer   ignore (1)   2012 Aug 30, 12:11pm   ↑ like (0)   ↓ dislike (0)     quote        

JodyChunder says

Ceffer says

Yeah, they sound like a bunch of real fun people. They sure keep things interesting. Never a dull moment.

You gotta admit, you'd rather make time with that gang than spend an evening with the Romneys.

Don't know, I think a "Big Love" wife swapping party would be quite an event, even without the booze.

Ceffer   ignore (1)   2012 Aug 30, 12:20pm   ↑ like (2)   ↓ dislike (2)     quote        

JodyChunder says

I don't have a wife, so I'd be screwed there. I am vocally pro-polygamy, though. I frankly, cannot understand the controversy.

I'm pro polygamy, but anti menstruation. I just can't see getting beaten up more than once a month.

Ceffer   ignore (1)   2012 Aug 31, 11:35am   ↑ like (0)   ↓ dislike (0)     quote        

APOCALYPSEFUCK is Shostakovich says

Guns are fine as long as you can't conceal them. Forty gauge shotgun, sure, every house hold ought to have two for each family member. Crossing guard gets pissy, tries to tyrannize the tots, BLAM!, cut in fucking two. Freedom reigns.

Problem is, in California, the crossing guards are already armed with portable howitzers and uzis, or the kids would cut them down first.

Freedom for those with the most ammo and armor!

Ceffer   ignore (1)   2012 Aug 31, 11:50am   ↑ like (0)   ↓ dislike (0)     quote        

coriacci1 says

Ceffer says

I'm pro polygamy, but anti menstruation. I just can't see getting beaten up more than once a month.

misogynist asshole!

Wrong, equal opportunity misanthropic asshole. Now, get back in line.

Ceffer   ignore (1)   2012 Aug 31, 11:54am   ↑ like (1)   ↓ dislike (0)     quote        

Quigley says

Ceffer says

Freedom for those with the most ammo and armor!

You might be saying this in jest, but history has damn few examples of civilizations without weapons that had any measure of freedom.

It's a cold cruel world, and the jackals await the day when you are helpless to pounce.

I am for freedom! Freedom to smoke a blunt while pounding Jack and Coke high on Ex, while toting my heavy caliber fully auto assault weapon on a hunting trip to turn Bambi into a pile of delicious roasting venison on my hibachi!

Cannibals beware: I never miss a head shot!

Cannibal anarchists will evolve, through sheer numbers, motivation and plentiful food supply. Nobody else stands a chance.

Ceffer   ignore (1)   2012 Aug 31, 12:17pm   ↑ like (0)   ↓ dislike (0)     quote        

Low interest rates are designed to punish passive savers and force them to invest in active businesses, real estate, stocks etc.

Surfing the institutional usuries rather than putting capital to work are luxuries of inflationary times and high interest rates. In the early 80's, CD's could be purchased at 15 percent per annum and some even higher returns. Savers and retirees were delighted, no need to take any chances with passive returns that high.

Low interest rates force investors with resources back into a riskier gambling/investment strategies which tend to be production oriented.

It's OK for Wall Street to be a rent taker on a huge scale, but not for the little guy who wants a conservative return on his investments with ordinary interest bearing vehicles.

It seems that inflation is coming soon, though, so interest rates will have to go up, come hell or high water.

Ceffer   ignore (1)   2012 Sep 1, 3:48am   ↑ like (0)   ↓ dislike (0)     quote        

Well, to answer the OP, it might be likely that the Republican candidates would have endorsed tighter money policies, which would have increased unemployment, at least at first. Using unemployment as a sole metric of economic success is more of "kicking the ball down the road" and short term expediency driving political decisions.

European economies such as Germany are pathologically fearful of inflation because they have been wrecked by it in the past. Their monetary policy is more geared towards stability and predictability of inflation to preserve currency integrity, and they will pay the price of higher unemployment to get it. However, they also have social engines in place to ease the burdens of unemployment on the unemployed, more so than the USA.

They would consider the low interest, print money until the economy recovers strategies to be enormously risky and reckless. The economy does not do anybody any good if you have a period of higher employment, followed by an out of control period where everybody has to use wheel barrows to carry cash to buy ordinary commodities. Then the policy becomes the staggering drunk reactionary policy of more draconian interest rates and burning brakes to control the inflation, with the currency itself becoming vitiated.

Of course, inflation serves the interests of the debt drunk as well by allowing present day debts to be paid back with future increasingly worthless dollars.