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Sucks.
Strict underwriting guidelines is the culprit. Denying loans to those who can pay should be a crime.
I'm on the wait list for a car that runs on fuel cells. I expect delivery in the year 3000. Until then I have devised an engine that runs completely on bull shit. Until that is installed. I'll try to get Arnold Schwarzenegger to push my car around for me.
What will we do when a car is also a disposable weapon, able to be used anonymously to cause vehicular assault and mayhem? Controlled through the Internet by either human or AI, the car could be guided to commit crimes, then crashed and burned to destroy evidence. What a frightening world that would be! Mad Max without Max!
Why are there not tons of new mortgages originating with these ultra low rates?
There are 2 bad things that could come out of tapering:
- rates go up, or ...
- the economy stops growing, which would keep rates the same or down.
Better hope that rates going down is just a side effect of the gov cutting its deficit (the fed buying a larger percent of the new bonds) and stocks being relatively expensive.
There are 2 bad things that could come out of tapering:
- rates go up, or ...
- the economy stops growing, which would keep rates the same or down.
Better hope that rates going down is just a side effect of the gov cutting its deficit (the fed buying a larger percent of the new bonds) and stocks being relatively expensive.
The rates HAVE to eventually go up. We have old people earning subterranean rates on their money and getting cold cocked at the gas station and grocery store...it can't continue and it won't.
I don't get why anyone thought rates would go up. I didn't see any reason to reverse the 30 year trend of lowering rates.
Might be time to swap my 30yr @ 3.5 into a 15 year. What's the cheapest 15 yr re-fi rate out there currently?
We have old people earning subterranean rates on their money and getting cold cocked at the gas station and grocery store...it can't continue and it won't.
Old people just need to sell their houses to millennial and stop whining.
We have old people earning subterranean rates on their money and getting cold cocked at the gas station and grocery store...it can't continue and it won't.
Old people just need to sell their houses to millennial and stop whining.
The Millenials can't buy them. Yeah, sure...if they're in the Bay Area, Stanford grads and working for Google or Facebook they can. If they're in Dallas, Houston or Austin and making decent cash, yes. If they don't fit into either one of those categories or maybe their degrees/skills weren't in demand? They're screwed.
My wife and I have been extra careful and extra lucky. It happens.
"There comes a time when good old fashioned physical strength and nerve becomes necessary"
"After a year+ in the gym, I impressed myself so much by maxing at 400 on the leg press, I decided to log on patnet and tell the world about it"
Um,,,,you better start hulking the fuck up bro. Some of us can leg press twice that lol
You're right, we would have to use the arms of one of the spare Immense Hirsute Lesbians.
In Santa Cruz, just throw a pebble in any particular direction and you'll hit one.
"There comes a time when good old fashioned physical strength and nerve becomes necessary"
"After a year+ in the gym, I impressed myself so much by maxing at 400 on the leg press, I decided to log on patnet and tell the world about it"
Um,,,,you better start hulking the fuck up bro. Some of us can leg press twice that lol
Considering where I came from, that's a lot. I had never worked out before. The machine is maxed out.
The Millenials can't buy them.
Rates may be low, but housing prices are high.
If you are short on cash, sell.
If you wait for rates to be high, you will likely just pay it in equity.
When it becomes legal to walk in the Castro with a forty five on my hip, we'll KNOW something big is happening.
Is it just me or does that sound a bit...I don't know...GAY?
Remember whoever leaves the planet with the most material things has won the game.....................
Interesting how many of the succesful people (as measured by weatlh) here come across as so bitter and unhappy.
Interesting how many of the succesful people (as measured by weatlh) here come across as so bitter and unhappy.
There was a survey done some years ago of Ivy League graduates twenty years after graduation and of all those schools, the most miserable were from Harvard. No question. Maybe it's because they were led to believe they could "change the world" (gee, that sounds familiar) and when they didn't, it was a serious let down. The current generation is setting itself up quite nicely for another go-round of that, given the current state of the economy and numerous predictions about Millenials not having the opportunities available to the Boomers or even Generation X. Savings rates for the Millenials are said to be much higher than those who came before them generally because they're scared shitless of the future and are preparing accordingly, if they can.
The reason so many of us on the right are so angry with what's happened over the last five years is because the guy we got is/was obsessed with turning this country into something it was never intended to be. This is not Europe. This is not Indonesia or China. We are not politically correct. A melting pot, yes. A salad bowl, no. Obama and his people seem to be ready to sacrifice the nation in order to make a series of political points, the most vocal of which has been the healthcare bill. Did you know the ACA is the most unpopular piece of Federal legislation since Prohibition?
There is a segment of older white guys that are angry because the country is moving away from what it was, and they think it is a bad thing. They watch Fox news which keeps them in a state of perpetual anger.
Salad bowl vs melting pot? Really... what is the difference?
Politically correct? Really big deal!
ACA is unpopular? Rejoice, democrats are going to get kicked.
Yeah things change. Countries change. Empires fall. Populations change. Culture change.
Take a deep breath and get over it.
Sometimes this board can be a dream case study for psychology grad students.
Interesting how many of the succesful people (as measured by weatlh) here come across as so bitter and unhappy.
Because they want to kill each other but can't satisfy the instinct via sublimation of debating - it ain't getting it done! In the time of the romans someone would have been clubbed to death and thrown off the cliff followed by some animal sacrifice to some god of fortune or rain or whatever.
This is way past beck, it's getting into nietzsche territory at this point....
You are being too hard on him. He just needs a job. Maybe he can get his Real Estate license in North Korea.
Yes he did lie about it. I don't know what his motivation was, nor I care what
it was.
Geesh.
You admit that you no proof, nor can you discern any motivation. Let alone any logic to support it.
But you just "know" he lied. Cause you heard Democrat hacks screech that mantra for 8+ years.
Looks like you are flirting with 9/11 trooferism too. Bgmall has your back!
because conservatism is worse than liberalism, and the GOP is the party of
far-right conservatives now,
Right now - meaning post "compassionate conservative" big government spender GW Bush?
The GOP is so "far-right" they keep nominating big government Republicans (McCain and Romney) to be our standard bearer for US President.
It's all in your head. I think anyone who doesn't agree with the shills at MSNBC or Salon are considered "far right" in your book.
Dennis Rodman is a slobbering, immoral, diseased, drug addicted brain damaged walking hazard zone. He IS a Realtor.
His only virtue is that he is an ugly, tasteless cross dresser. Maybe he should plant one of his high heels in Kim Jong-un's eye socket.
Looks like you are flirting with 9/11 trooferism too. Bgmall has your back!
And damn proud of that!
Dennis Rodman is a slobbering, immoral, diseased, drug addicted brain damaged walking hazard zone.
In other words he is just like everyone else in NY, LA or Miami.
APOCALYPSEFUCKisShostikovitch says
Whose Arms Would You Rip Off to Use to Beat Kim Jung-un To Death?
His own.
APOCALYPSEFUCKisShostikovitch says
Whose Arms Would You Rip Off to Use to Beat Kim Jung-un To Death?
His own.
Correction, this guy's.
The GOP is so "far-right" they keep nominating big government Republicans (McCain and Romney) to be our standard bearer for US President.
Can you say "congress."
I knew you could.
Yes, you're right, Presidential nominees aren't far right. That doesn't mean they don't have to kiss up to the far right.
I distinctly remember Bush (GWB) campaigning that he was opposed to "nation building." But then the neocons made him do Iraq. His tax policy was right wing too.
APOCALYPSEFUCKisShostikovitch says
Whose Arms Would You Rip Off to Use to Beat Kim Jung-un To Death?
His own.
Correction, this guy's.
Good God man where here do you find this stuff? You must be on some funky mailing lists!
I have a 15 year old Honda that gets me to and from work everyday in the same amount of time as the Porsches and Mercedes in our parking lot. Next topic?
And I'll bet it does so with less time in the shop.
WOW! The UNtrustworthy are certainly in control of what information is apparent to the people!
Say hey! This was in the Wall Street Journal on March 30, 1999. Note "... how much it will buy."
Holy cow/interesting/compelling ...!
And where is it up to date??? Right here ... see the first chart shown in this thread.
Recent Dow day is Thursday, May 29, 2014 __ Level is 105.2
WOW! It is hideous that this is hidden! Is there any such "Homes, Inflation Adjusted"? Yes! This was in the New York Times on August 27, 2006:
And up to date (by me) is here:
http://patrick.net/?p=1219038&c=999083#comment-999083
WOW! The UNtrustworthy are certainly in control of what information is apparent to the people!
And "ThePublic Be Suckered"
http://patrick.net/?p=1230886
Yes, and we drive a ten year old Toyota as our get around car when we don't want to put miles on the others.
Sort of wussy, right? Having a baller car but not putting miles on it because you're afraid to. My fancy European cars get driven, like cars are meant to be, instead of sitting in the driveway like trophies.
I have friends who do that, and I could never understand why. Eventually your newer car will be 10 years old, and then you will start putting on miles. The miles will get put on by the time you sell it anyway. Isn't it more fun to put on miles when the car is still new?
and links to 10 years worth of tax returns....trust but verify.
Patrick, please add a net worth entry to the user profiles, so we can judge the credibility of posters
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