Darn, I was going to post an OT link and start up an OT conversation about male inequality (ala The Daily Show), but a new post was made. Gotta wait a few minutes to avoid the obvious OT.
There is value to the buyer in having someone with experience negotiate with the banks.
Absolutely. That's why the banks and the seller should adsorb the cost.
Look. there is only one person bringing money to the table. That person is in charge. It is a crime against capitalism to pay a third party to ensure the other parties get their maximum share.
Look. there is only one person bringing money to the table. That person is in charge. It is a crime against capitalism to pay a third party to ensure the other parties get their maximum share.
Do what people do at car dealerships. Be willing to walk away.
.
Sometimes they let you leave. Sometimes, they will play ball with you.
Yet Spanish consumer confidence is at its highest level since 2005.
Source: Eurowatch blog
Below is a paragraph from his post. What is interesting is how in many ways it is applicable to the US and perhaps the current admin. It is also why housing prices may be so sticky in some areas...
This is not only incredible, it is extraordinarily hard to understand. Even those who doubt that the situation is quite as bleak as people like me argue it is must surely admit that Spain now faces a difficult and testing time. My contention is not that there is anything wrong with this finding, but rather that this is how Spanish people actually think at the present time. They have no idea of the actual economic reality, or of what the future has in store for them. They are virtually being kept in the dark. This is the worrying part, and I fear that all this may well now end badly, very very badly.
Debt: the final frontier. These are the voyages of the good ship U$$ Enterprise. Its 30-year mission: to explore strange new derivatives, to seek out new loans and new homeowners; to boldly go where no man has loaned before.
Redfin opted out of the short sale market a while back because of the low probability of closing. I'm thinking they'll be back in the short sale business soon, as that IS the market.
Rob Dawg, exactly. Of course the seller has nothing in a short sale, so it is really the bank and the agents that should be paying The Negotiator. As Jillayne noted, the buyer can (and probably should) just walk away.
If the listing agent for the seller doesn't know how to negotiate with the lender, first of all, why were they allowed to take a listing in an area beyond their expertise? That aside, if that seller's agent has to hire a third party to negotiate, then that short sale negotiator's fee ought come out of the listing agent's commission. Why make the agent representing the buyer pay the negotiator's fee and then why demand that the buyer pay the fee?
With so much inventory out there, the buyer should call their bluff. If the buyer wants the house that bad, they should be willing to bid on it at the auction. Then the buyer doesn't have to pay the $9,000 and doesn't have to pay the real estate agent commissions either.
Why even bother with a short sale, when there is so much inventory on the market?
A few years back we pursued a short sale. Made a reasonable offer, waited several weeks, only to be met with a counter offer from the lender which was higher than the original listing price. We countered, with a list of necessary repairs identified by the home inspector. They then wanted written estimates for every item listed. I called some contractors, before realizing it was a total waste of their time. We bagged it and found a better place.
Short story on short sales: Forego them for something else on the market. Unless and until the lenders get serious about selling.
Outside, Your experience was not unusual, and short sales really only worked for investors in the past or other buyers people who could wait. But now the lenders are getting serious - and I think short sales will become much more common this year.
With all this spare time as an unemployed lout, I've been listening to some of the music from your generation, boomers. I must say that I approve of Styx and RUSH.
I'd definitely tell this guy to pound sand - or get it from the listing agent. I wouldn't pay him a dime and neither should anyone else.
But I think this story is worth getting out there because I think short sales are becoming more common and some people will try to take advantage of the situation.
My last apartment, I stayed there for 6 months, I payed the first down payment and the first rent like 600 bucks. I had the place looking good, never payed a dime after that. My parents supplied the dime, I told them not to but they insisted. You have to understand this was the shittiest part of town. I told them no. I will stay untill they kicked me out. I was living it big, not stealing from nobody but bringing wealth to the hood (don't ask, the new supreme court decision renders my case obsolete though), then one weekend I spent the weekend at my parents house, came home to come crackhead break in. tore the place up. Now if I were really living there for free, I would have shot the crack head, killed him and burried him in some ditch. But I was not. My parents were paying the rent for me, it was just not fair. I want another shot, that's all I'm asking. Oh and only around 150 bucks for rent. That's all I'm paying anyway.
nova, there is something enchanting about music from a time when a rock ballad could be written about a pair of hobbits battling a necromancer in his evil necromancer lands
kidbuck says, "$9,000 per deal? What kind of morons are they? Only 10 negotiations per year would make him rich. So the greedy SOB is slow, stupid, or both?"
I think the negotiator is trying to double dip or protect the listing side commission. If the bank/lender won't pay a negotiator fee and also demands that the real estate agents cut their commission, then the real estate broker can protect revenue by demanding the buyer compensate his two companies via this legitimate-sounding "Short Sale Negotiator" fee.
I've just decided that there is a better gig than being a 'Short Sale Negotiator' and that would be selling DVDs and books via paid seminar and infomercial TEACHING OTHERS to become 'Short Sale Negotiators'. Too bad Billy died so young.
@ jillayne (homepage, profile) wrote on Thu, 2/4/2010 - 6:28 pm
Hoopajoops LTD Styx and Rush are more from the older Generation X teenage years instead of the Boomers.
Thx for clarifying to Hoopajoops because I was hating this
yagij wrote: I thought retirement was something we all strove for in our lives, or have we been lied to again?
LOL... yes, we should work harder and harder so that eventually we don't have to work... now there's one worthy of Yogi Berra.
Outside says: "The "short sale negotiator" market is bound to be flooded by ex-mortgage brokers."
Actually, all the former subprime mortgage brokers opened up loan modification companies. Now that half their friends are being served with federal indictments, being a short sale negotiator seems like a better option.
Thx for clarifying to Hoopajoops because I was hating this
Ha, sorry about that. Everyone over 30 looks alike to a youngster like me. Dang, come to think of it, I'm turning 27 in a few weeks and haven't even started my career yet. I bet I'm pretty typical for this generation.
Hoops if you want boomer music I suggest 3. KC and the sunshine band, The carpenters, and Captain and Tenille (ooooh Muskrat muskrat...candlelight....EARWORM mwahahaha) There is some boomer finger lickin music.
Dryfly: "I've just decided that there is a better gig than being a 'Short Sale Negotiator' and that would be selling DVDs and books via paid seminar and infomercial TEACHING OTHERS to become 'Short Sale Negotiators'."
Yes dryfly, the real estate market is currently flooded with real estate agents marketing themselves out to be short sale experts and they'll teach you everything they know. Today only; special price, books, tapes, coaching...etc.
@Hoopajoops LTD (homepage, profile) wrote on Thu, 2/4/2010 - 6:33 pm
Thx for clarifying to Hoopajoops because I was hating this
Ha, sorry about that. Everyone over 30 looks alike to a youngster like me. Dang, come to think of it, I'm turning 27 in a few weeks and haven't even started my career yet. I bet I'm pretty typical for this generation.
Actually, all the former subprime mortgage brokers opened up loan modification companies.
Makes perfect sense really - I had a chem engineering buddy who spent the better part of the 80s at places like Los Alamos, Oak Ridge Rocky Flats, & Hanford designing & building equipment to process various radio-isotopes for weapons... then much of the 90s and 00s designing and building equipment to do the clean up. He said his firm will make $10 in clean up for every dollar they made making the messes. But then by now they are experts in handling the 'stuff' so who else do you call?
FIRE - if they work it right - will do the exact same thing. Money on the way in - way more money on the way out.
pavel.chichikov wrote: When you stop working you begin to die. The idea is to find something you love to do so that you can do it until the day you're ready to move on.
Retirement as most conceive of it, then, is anti-life or in nature. Appropriate, then, that the mechanism of its continuance is the same as that of the rentier economy...
There is your problem right there. Mellow out. Pack a bowl, have a few drinks and then instead of being a sad guest you can be the guest that everyone has fun with, enjoys and wants to take home.
This reminds of the days when I was young,had saved my money and decided to buy a new truck.At the closing the salesman had added a $65 fee.When I asked what the fee was for,he told me it was for the racing stripe.I told him it was a truck,not a race car and suggested he get some paint thinner and a rag to wipe it off with.He said he couldn't do it,and I walked out,when the manager tried to stop me I told him I did not do business with cheap crooks.I bought a used truck instead and am glad I did,cash talks.
In the agricultural era, I presume that you worked until you died - and when you started to get weak, you lived with family, but still puttered. I imagine that's not a bad way to live.
There is your problem right there. Mellow out. Pack a bowl, have a few drinks and then instead of being a sad guest you can be the guest that everyone has fun with, enjoys and wants to take home.
. . .a “Short Sale Negotiator” who is charging an additional $9,000 fee on top of the real estate commissions paid to both the agent for the seller and the agent for the buyer.
This whole story is shocking. Also, in my neck of the woods $9,000 can buy a helluva lot of negotiation.
Learning is part of good work. Where's the fun in doing the same thing over and over again? And since many of us have lost community, when we do work it's lonely.
Telling people that earning a good living will make them happy is a swindle. It's not enough.
You know what pavel? I have decided that this time of stress, isolation and weak community and family ties is the perfect time for people like me.....aspies were born able to thrive in this sort of zone. You just hve to flip it around abit and I bet you see...quiet solitude with no endless yanking and pulling from those around me to make me fit the slot others are able to fit automatically and everyone else suddenly realizing the manual they were born knowing doesnt work anymore so EVERYONE ELSE is learning to do what I learned earlier....read each situation and if it mattered to me to analyze as much as possible take nothing for granted social-wise. Basically I think that is why I am not so stressed and angry as many others I see around me.
Is is just me, or have we been breeding opportunists like rabbits for the past generation to the point where they are as common as 7-11's now? Has society always had such a vast underbelly of scumbags? I'd always pegged the number at around 10%, but I'm starting to think it might be higher.
"Telling people that earning a good living will make them happy is a swindle. It's not enough."
when I started treating work as just that and not part of my identity; and started paying more attention to outside pursuits such as my mountain biking and time with my wife and friends I became a lot happier.
I'm perfectly happy, most of the time, not rising on the corporate ladder nowadays.
Real estate agent for the buyer makes a full price offer but with a reduced "short sale negotiator" fee closer to current market rate of $1,500. Real estate agent for the seller says the sellers have rejected the offer. When asked for a reason, the agent says "because we're two weeks away from the foreclosure auction and the sellers don't want to bother with submitting the offer to the bank now."
Wait, what? Then why even bother with listing this home for sale if the sellers don't want to bother submitting a full price offer.....or IS it because of the fee.
. . . He really beat me in that debate about whether he should get up or just keep laying there.
Sorry I had to leave abruptly, but I did get your reply. I can definitely emphasize with this guy. Sometimes the best thing one can do is lie face down in the grass. Eventually, though, one has to get up at some point.
It's often been said that no one really can help anyone else. That may have been the lesson. Hope he and his spouse find a way to cope with their situation. So far, at least, they still have each other.
recently, i looked at a short sale and was told I had to pay the existing "homeowners" $15,000 in cash post closing or they would trash the place before they left. apparently, they were upset that they weren't getting some money for leaving "their" home. gees.
Wait, what? Then why even bother with listing this home for sale if the sellers don't want to bother submitting a full price offer.....or IS it because of the fee.
Bet sellers were getting a cut of the $9K too now nothing so F it - ya think? Or am I too jaded?
@greenchutes (profile) wrote on Thu, 2/4/2010 - 6:47 pm
My favorite early 70s jam, which captures the post-Altamont nihilism perfectly:
YouTube - SLY AND THE FAMILY STONE - IN TIME
rsj wrote: quiet solitude with no endless yanking and pulling from those around me to make me fit the slot others are able to fit automatically and everyone else suddenly realizing the manual they were born knowing doesnt work anymore so EVERYONE ELSE is learning to do what I learned earlier
"Knock-knock!"
"Who's there?"
"Adulthood."
Yikes Lurker, this is most likely a violation of state and federal law. Walk away from those situations and then just buy the home trashed as an REO at hopefully a much lower price and save your $15K to fix it up the way you want it.
Holy crap dryfly of course you're probably closer to what might be going on here! "Bet sellers were getting a cut of the $9K too now nothing so F it - ya think? Or am I too jaded?"
Jillayne I know several brokers who are highly competent and completely ethical.But I know many more who are completely oblivious when it comes to ethics or even the law and many of them make very good money.Perhaps they are sociopaths?
European Central Bank’s covered-bond purchase program, Engelhard said, unlike the U.K. notes proposed by Abbey.
“For the second time in a week, Santander is seeking to sell covered bonds at spreads very similar to existing notes,” said Ivan Comerma, head of capital markets at Banc International-Banca Mora in Andorra, who was invited to buy both Abbey’s and Santander’s bonds. “As the Spanish notes benefit from the ECB’s purchase program, the chances are better that this deal will fly.”
Covered bonds are typically backed by mortgages or public- sector loans. The collateral backing the debt remains with the borrower, who also guarantees the bonds. They date back to the 18th century, when they were used in Prussia to finance agriculture, according to the European Covered Bond Fact Book.
With all this spare time as an unemployed lout, I've been listening to some of the music from your generation, boomers. I must say that I approve of Styx and RUSH.
If you liked that, check out what your generation has done with the theme. One killer band is Vanden Plas, and I would start with "Beyond Daylight"
I suspect that applies to me too. Although, I think the album, that is to say a cohesive multi-song work, is not yet dead. *Ok Computer *comes to mind, for example.
What I miss about 70's music is the willingness to be silly or literate or just longer than 3 minutes 44 sec. Bands like Genesis, Queen, or Styx recorded some real duds in their time but the era would be poorer without "Fooling Yourself" or "The Firth of Fifth" or "Bohemian Rhapsody".
aspies were born able to thrive in this sort of zone.
I'd agree about loneliness but not about the current environment. The current environment is amazing hostile to non-social people. For the past five years, I've been constantly accused of things I didn't do, or of things I should have done, by the lying sack-of-shit gossip mongers around me who's purpose is to deflect blame on to others and control the group consciousness.
I've had to spend large chunks of time constantly defending myself instead of working.
That's what the USA is now.
A constant social battle to avoid being one of the fringe elements that gets booted in the next layoff.
Art Eclectic wrote: Has society always had such a vast underbelly of scumbags? I'd always pegged the number at around 10%, but I'm starting to think it might be higher.
Our sick consumer culture produces them by design, via behavioral conditioning and our institutions.
I wish I would have videotaped some of my mortgage broker ethics classes I taught from years 2001-2006. Instead all I have are the nightmares that keep me awake on sleepless, stormy nights.
Our sick consumer culture produces them by design, via behavioral conditioning and our institutions.
It began affecting me after the first crash, the dot com crash. We had quarterly layoffs and everyone was afraid they'd be the next one to go. Now, in an environment where there's WORK to do, it's not an issue. But when there's not enough work, what happens is you get a lot slander and coalitions and games.
The whole fricking country's been turned into a long-running episode of "Survivor".
The current environment is amazing hostile to non-social people. For the past five years, I've been constantly accused of things I didn't do, or of things I should have done, by the lying sack-of-shit gossip mongers around me who's purpose is to deflect blame on to others and control the group consciousness.
Find the right group of people, broward. The company I work for now treats me very well, based on my work, even though I don't socialize with the others.
You know what pavel? I have decided that this time of stress, isolation and weak community and family ties is the perfect time for people like me.....aspies were born able to thrive in this sort of zone.
rsj, what are 'aspies'?
Writing, painting, composing music are inherently isolating vocations, but I find that at least I get a lot of work done.
Back then I went thru a Jan Hammer-John McLaughlin-Billy Cobham phase after my older sister gave me a Mahavishnu Orchestra album - man did my parents bitch.
Jillayne,I worked as a Mortgage Broker 2005-2006 and would have no problem with anyone auditing the deals I made.Of course I did get fired twice for saying it was a bubble and killed more deals than I made by being honest.I did keep my self respect.
Ironically, downloading has taken us back 50 years to the time of singles.
Sad but true. However, I believe that listeners will eventually begin to understand the album concept again. But it's a chicken/egg problem - the investment required to make an album that holds together is pretty big, and getting to market intact is challenging. But hey, Pink Floyd leveraged "Money" to get Dark Side of the Moon noticed...
"Perhaps in time they shall become a separate species, like the Morlocks and the Eloi."
Great book to buy. You could buy it used via amazon for under $10. "The Sociopath Next Door." Author says in some Native cultures, once the group identifies the sociopath, they plan a hunting trip, isolate the sociopath and then push him off a cliff. This might not work with the predatory lenders. Someone would notice 100,000 people at the bottom of a cliff.
It isn't an entirely bad thing - those Chess blues sides, Sun records stuff, Phil Spector, Motown, Stax - a few musical scenes did quite well without needing the album as a medium.
I wish I would have videotaped some of my mortgage broker ethics classes I taught from years 2001-2006. Instead all I have are the nightmares that keep me awake on sleepless, stormy nights.
When my sister was finishing law school she said the perfect law resume has on it ... "and I passed ethics with flying colors... the second time"
Back then I went thru a Jan Hammer-John McLaughlin-Billy Cobham phase after my older sister gave me a Mahavishnu Orchestra album - man did my parents bitch.
One of my favorite concerts of all time: J.M. and the Mahavishnu Orchestra (with Jean-Luc Ponty) opening for Emerson, Lake, and Palmer. At the Santa Monica Civic - 3000 seats total. Man that was loud.
Perhaps in time they shall become a separate species, like the Morlocks and the Eloi.
I think they already have. Unfortunately, law enforcement thinks all the predators they need to lock up are black and brown. They ignore the ones with briefcases.
You have taught me a new word today: Aspies. My nephew is an aspie. We go to the movies together all the time. He notices stuff that I don't notice like shadows and objects whereas my brain is cued to the faces and relationships. He noticed more freaky stuff in Paranormal Activity than I ever say. Aspies rock. We just saw Zombies of Mass Destruction last week.
With all the hellacious things I listened to, my parents adapted. They had insulation installed in all the INSIDE walls of my bedroom.
We lived in a monstrously huge house part of the time - they moved us kids as far away from them as possible and said 'knock yourself out'... plus it didn't hurt that my father was an ex-artillery officer and almost deaf.
broward wrote: The whole fricking country's been turned into a long-running episode of "Survivor".
Sadly, I think that is also by design. See broward, what's really going on here IMHO is the nearly-successful coup of the administrative mercantile class over the creative/inventive idealist class... you can see it everywhere from universities to corporations, to DRM and intellectual property legislation that's coming to bolster the rentier economy.
Of course I did get fired twice for saying it was a bubble and killed more deals than I made by being honest.I did keep my self respect.
You did the right thing, Tom. BTW, I can't say voicing my opinions a few years ago about the future of CRE did wonders for my career, either. I think I finally latched onto CR's blog when I realized no one was going off on me for my doom and gloom.
Of course, once I got here, I met some real doomsters.
dryfly Attorneys tell me on their bar exam, the ethics exam takes one entire day.
With the loan originators I teach, last month one of my students raised her hand during the ethics portion and said "Excuse me but is any of this going to be on the exam because if it's not, can we just skip it and go home early?"
pavel.chichikov you crack me up. Actually Zombies of Mass Destruction was filmed in Port Gamble, a tiny town Northwest of Seattle and almost the entire cast was in the audience. The very best two characters are two gay guys, who are visiting one of the guy's moms in order to come out and he really does NOT want to break the news to her. Totally hilarious movie.
I have two "seller approved" contracts for short sale properties... One was signed over a month ago and we have seen zero progress. The second was signed today. So far no Negotiator fee has been requested.
I'm not sure how things are moving outside of my area (no ca) but often the sellers will list the house as a short sale and use the low ball offer as a negotiation/valuation tool to try to get a cramdown. It works maybe 10% of the time.
The other tactic is for the seller to move out, rent out the house, and then list the house as a S/S to delay the foreclosure. I ran into this about 6 times this fall. Homes with tenants are harder to show and show poorly, and are usually unsuccessful because you also have to hope the tenants evacuate at the correct time and they are an extra layer of risk regarding the condition of the home when you take possession. My agent would go through delay after delay trying to get an appt to show and then if they did manage to get the tenant's info, the tenant would invariably not answer the door at the time of the appt because they don't want to move anymore then the seller wants to seller his cash cow defaulted house.
Then you have to hope that there is only one loan on the house.... S/S are a ton of trouble but when they do go through, it's awesome. I close on mine in less then 10 days. The waiting sucked because you have no idea whether the seller, the seller's agent, or the bank is going to play ball. But once we got the offer letter back from the note holder (single institution, not trached and split up), the escrow has been so smooth. My purchase price was 36% of the outstanding balance and 8k more then what it sold for in 1996. I still can't believe it's going through.
Sad but true. However, I believe that listeners will eventually begin to understand the album concept again.
We work in the music biz and I agree. What will happen at some point is that genuine artists will start putting out musical opuses that all work together like some of the best albums are. You'll still have pop music totally dependent on singles, but at least we will all be spared the need for them to record 11 other songs of dreck to sell the one song. I look for a few bands to start producing epic full albums that need to be enjoyed as a whole orchestrated piece of musical art. I think they will do very well, but it will be an exclusive club.
LOL - sounds like one of my sisters. She saw Jimi Hendrix back in the day - not too long before he died - she believes Led Zeppelin was the warm up act [right after their first album - first US tour - before they too went boffo]. She isn't sure though either - but has it on good authority it was a fine concert. She hung around a group that was know as 'The Last of the Monday Night Trippers'. Nuff said.
Not Irving Fisher wrote "I have two "seller approved" contracts for short sale properties... One was signed over a month ago and we have seen zero progress. The second was signed today. So far no Negotiator fee has been requested."
Ooo your area is probably considered a growth area for short sale negotiators! Heads up and check back with me next year. It was like that in early 2008 in Seattle for us, too.
This time last year there were very few short sales on the market. We are averaging one new listing per day over the last three weeks. I am sure the negotiators will make there way here soon.
You'll still have pop music totally dependent on singles, but at least we will all be spared the need for them to record 11 other songs of dreck to sell the one song. I look for a few bands to start producing epic full albums that need to be enjoyed as a whole orchestrated piece of musical art. I think they will do very well, but it will be an exclusive club.
That would be great, but I don't know how to make it happen commercially. Back when I was in the business, it was nothing to spend 3 months in the studio, and one record I worked on (Rumors) took 18 months in the studio. These days, musicians have to find their own space for long enough to pull it off, then somehow get it to market and recoup the expenses. Not Easy without record company backing.
Back then I went thru a Jan Hammer-John McLaughlin-Billy Cobham phase after my older sister gave me a Mahavishnu Orchestra album - man did my parents bitch.
Hats off, dryfly. Not many people were familiar with Jan Hammer and John McLaughlin.
broward wrote: An interesting way to model it.
"They" want to be the perpetual gatekeepers of the media channels skimming transaction fees for serving content on demand, and to determine what does and doesn't pass across them. It's not entirely unlike the banksters, in fact. Same underlying archetype. If you don't create value, you have to steal or extort or counterfeit it. Period.
"Sadly, I think that is also by design. See broward, what's really going on here IMHO is the nearly-successful coup of the administrative mercantile class over the creative/inventive idealist class..."
.
Said Hutchinson re GE:
Yes, Virginia, you could have had both robots and the Internet. The 1950s dream of an infinitely prosperous United States full of household robots and other high-tech wonders was not a fantasy, it was there for the taking. Only political and business incompetence prevented us from achieving it.
Yes there were definitely some great loan originators during the bubble that didn't rape the consumer. Those folks are still around writing deals today and made it through 08 and 09. They're the solid core LOs with a strong sense of what it means to care for one's client instead of using people for one's own self interest. There are PLENTY of these great LOs out there.
Aspies are people who have Asperger Syndrome. It is part of the autism spectrum. Very very high functioning but 'off'. Difficulty reading facial expressions and body language, unspoken cues are unnoticed, odd gaits, odd speech, lack of need for social interaction and lack of ability to do so even if interested, it is actually very fascinating. I am even on odd one among the odd since I am very socialized compared to others. I say it was the waitressing. It trained me in small talk, in being 'on', the importance of smiling and it has made eye contact easier to do.
Broward that is a very good point however I do not work in an area that requires interaction like that. I have managed to set my life up that I interact with lots of people in a limited quick and superficial fashion.
European bands already are. I have been listening to Metal Opera
Excellent.
I think it will take a while for over here. The Music Industry over here still hasn't accepted single/download as the gospel yet. They have to let go of the "album" for it to be reborn as art.
Great albums do not require great budgets. The Velvet Underground's first album cost next to nothing and remains one of the major classics of its decade. All you need is a bunch of great material that sits well together, sequenced properly.
Great albums do not require great budgets. The Velvet Underground's first album cost next to nothing and remains one of the major classics of its decade. All you need is a bunch of great material that sits well together, sequenced properly.
Easier said than done. Do you have any idea what it takes write and produce something like that?
Full Disclosure: An old friend of mine was the bass player for Velvet Underground.
they are beating the last scintilla of individuality from each of us
To be nobody-but-yourself-in a world which is doing its best, night and day, to make you everybody else— means to fight the hardest battle which any human being can fight; and never stop fighting.
Symphonies are different - they depend on private contributions and subsidies. But that's probably not easy to pull off these days either.
I think you know I was just kidding about a symphony coming out of the studio, but I actually do have a connection to a vocalist who performs in front of an orchestra and it's an amazingly different sound than the screaming that passes for vocals in pop and rock music. My era was early 70s, yet no one has mentioned The Who or The Doobie Brothers.
There is no money in that for the record companies, producers, musicians or distributors. See Lady Gaga if you want to understand where the music industry is going. Music is a low cost app, which is almost worthless.
rsj, pavel.chichikov
my nephew got into a good program in junior high and high school that identified aspies and put them together in one class once a day and taught them all kinds of social skills. We have a high number here in the Seattle area for some odd reason.
That would be great, but I don't know how to make it happen commercially.
What I'm thinking is that "albums" have to be entirely discarded. Just like 50 years ago. Just singles.
Then, some real musical artist will self-finance.....some epic thing....someone like Trent Reznor who is extremely progressive and has a loyal following. Someone along those lines will release a monster that gets sold as an old fashioned album is. You want the whole thing. Albums will be become like classical music is now. You want the entire orchestrated selection, not just 3 minutes of the good part.
I am very socialized compared to others. I say it was the waitressing. It trained me in small talk,
My first real job was in field service so I dealt with customers daily. Up until forty, I had abysmal luck with women, with four-year periods of abstinence because I couldn't make a connection. I'm not sure what happened to me around 2001-2002 but it was like I woke up out of a dream and I re-directed a lot of analysis to people, expression, stance, etc and I am now have periods of super-acute perception, often based on context and information deduction (for lack of a better expression).
it's very easy to see the slander network in operation with my website. When I apply for a job in Phoenix, the slander network kicks in and I'll get a series of cascading hits from Phoenix as the participants call each other to discuss me, and then I'll oftten get an email or call from a "long-lost team member" a few days later.
i have 2 wishbone ash vinyls. played them a lot in college. mood setters. and those guys had nice guitars too. one night i was listening to them, in dorm, went down to bathroom...i think 1 per 8 rooms or something like that. and we were not coed. but there were 2 girls getting shower. yeah they were open shower so i poked my head in. they had no issues with it. something about getting beer spilled on them. i told them i had some towels and gave them room number. 5 minutes later we were listening to wishbone ash. pretty much played it all night long. all night long.
I'm guessing that you are not a Kronos Quartet fan...
I'm for anyone who can give a good performance of Bach, Telemann, Schubert, Rachmaininov, Scarlatti, Prokofiev, Wagner...But I also like lots of non-classical music too. I went through an Afro-Cuban few weeks a while ago.
Yeah, but NiN only exists because it still had that album-tour paradigm to come up through 20 years ago. High concept guys like that are going to have a much harder time establishing an audience now and in the future.
Don't forget - Prince, U2, Pink Floyd and Springsteen all would have been dumped after their first album by the post-1995 music business.
True. The expensive part is the payolla and marketing. You can record a good album on less than 80k today...but then you have to spend a couple million on radio and marketing to get it moving in the pop market. Less in the country market.
rsj wrote: It is part of the autism spectrum. Very very high functioning but 'off'. Difficulty reading facial expressions and body language, unspoken cues are unnoticed, odd gaits, odd speech, lack of need for social interaction and lack of ability to do so even if interested, it is actually very fascinating.
In the brief but unforgettable moments wherein there is no "there" there, no "ego' to be egotistic, and you are really living!
Mozart and Haydn wrote for much less than 60 pieces. And that's the beauty of it - it doesn't need to be recorded to a mic to exist - it exists the moment is on paper! 19th century technology can be liberating.
To be nobody-but-yourself-in a world which is doing its best, night and day, to make you everybody else— means to fight the hardest battle which any human being can fight; and never stop fighting.
e e cummings
And who can forget his speech to the NRA? "when will they take myself from me? when they pry it, and my ammo clip, from my cold dead fingers"
Charlton Heston was nothing next to the way cummings could whip the gun lobby into a frenzy.
I used to listen to a guy who wrote symphonys around noises he heard on his radio while flying. Stuff like you heard on short wave. They were pretty good.
You want the entire orchestrated selection, not just 3 minutes of the good part.
.
Yes, bleeding chunks is for the radio. Among the young people I know these days, only the classical freaks opt for CD's. mp3 snippets seem to work for many of the rest of them.
greenchutes wrote: Writing a symphony only costs a box of pencils and a couple of music pads.
Quite the ROI there... almost as creatively efficient as buying a lobbyist is economically efficient!
Not only that, but it's hard to fit 60 or 80 pieces in a studio.
I've done 85 or 90. But it's a lot of work!
And somehow, they always seem to start blowing takes right before the end of the three hour union session limit. So it always takes at least two three-hour sessions to get what you want.
I got my scare early when it looked like my divorce didn't record and the underwriters want to hit me as liable for my ex's student debt. One flash of the final separation paperwork and it was all cleared up. Now underwriting says I can close early if I'd like.
I did go conventional 20%, seasoning in the bank, DTI of 27% on the piti. The note holder signed off on the price reduction so the back taxes clear title. Home inspection done with the appraisal suspiciously close my accepted purchase price. Roof inspection clean and pest report came back with 2 window sills with a small amount of dryrot (less then 1k to fix) but I'm conventional so who cares.
I'm trying to think of what can go wrong now because the pessimist in me says something will.
it's very easy to see the slander network in operation with my website. When I apply for a job in Phoenix, the slander network kicks in and I'll get a series of cascading hits from Phoenix as the participants call each other to discuss me, and then I'll oftten get an email or call from a "long-lost team member" a few days later
Your post was all making sense until you started to sound like a tinfoil hatter, or was it H Ross Perot?
Haha yagij, but that sentiment is growing...I just have a mental pic of Lord Blankfein having to register as a "Money Offender" and not being able to live near schools. BWAHAHAHAHA
I remember hearing them do that at sundown in Griffith Park in Los Angeles about 15 years ago. Amazing spooky sound. I decided I'd better hotfoot it out of there!
And somehow, they always seem to start blowing takes right before the end of the three hour union session limit. So it always takes at least two three-hour sessions to get what you want.
Well, uh, yeah, I can understand that. Musicians are a different breed, but they do flock together.
It is amazing how certain types of debt manage to get into priority positions, or have completely different methods of evidence and collection. Property taxes, child support, student loans, mortgages. It's like nobody wants to be part of regular bankruptcy.
Haha yagij, but that sentiment is growing...I just have a mental pic of Lord Blankfein having to register as a "Money Offender" and not being able to live near schools.
Or worse. Release the "Money Offender" lists to all of the charities, non-profits, and politicians in the area. It'll make 'em think twice before making any more money (if they did it on the down low)
I re-directed a lot of analysis to people, expression, stance, etc and I am now have periods of super-acute perception, often based on context and information deduction (for lack of a better expression
You studied it like a foreign language, like a new subject like algebra. Most people dont 'study' it. I am learning more and more about people, they have always baffled me. I liked them and wanted to understand them and tried so hard to be one of them but they baffled me. They still do baffle me many times but now I am relaxed and like me as I am and dont try to be one. I watch. Normals always seem like they were born knowing. Nova nails it in his writing.
RIF I have reread your comment and I am sorry I dont understand it.
Jillayne I enjoyed reading about your nephew. We do rock. hehehe. I say many times if more people understood what it is like to be me, they would envy me at times.
Sorta on topic - The Federal Trade Commission moved to protect distressed homeowners from the promoters of bogus foreclosure rescue and mortgage modification services by proposing a new rule that would forbid companies to charge up-front for these services. Instead, companies could only collect payment after providing services.
Property taxes, child support, student loans, mortgages. It's like nobody wants to be part of regular bankruptcy.
Speaking of student loans, I was approached by an admissions director for a law school recently telling me that I could get a small yearly scholarship plus get the application fee waived. I responded as such:
Thank you for the offer.
.
Between the inability to bankrupt student loans, the availability of public programs where I can work towards getting my loans forgiven, and the deteriorating job environment for the current legal employment base--not to mention the current crop of students--I just cannot make such a commitment at this time unless it covered the entirety of my academic expenses excluding costs of living and transportation.
The response: "Would you like fries with that?"
.
To which I responded:
Nice choice of phrases. I know of a recent law grad or two--top 10% of their class at the [UNIVERSITY]--that utter that phrase daily because they cannot find work in their profession of choice.
If Haydn had written two hundred more
Symphonies rather than one hundred four
He would have been ancient, two hundred years old
Before God had carried this sheep from the fold
But since he was led to the sheepfold of heaven
At the age that was best for him, seventy-seven,
He stars in the heavenly concert hall, known
As composer, Kapellmeister, near to the Throne
Where notes are the blooms that spring from the soil,
A garden abundant though no one must toil,
Harmonies join from the rush of the winds:
Horns of the north, the south violins
West come the rains of the woodwinds and brass
To freshen the lushness of heavenly grass,
Eastward auroras of harpsichord strings,
The stars in their choiring rise up and sing
The theater is melody, columns, a dome,
But never a wall in this musicians’ home,
The audience angels and all of the blessed
Robed in the music, in music are dressed
I think Prince and U2 are such hit machines they would have risen to the top even purely on singles. I think in the future, a guy like Springsteen will start by building up a huge local following through live shows. Eventually he would break with a single nationally. When he had enough power to go for a full album, then the miracles would begin. I think that kind of talent always rises.
The escrow officer just didn't find the divorce decree while rooting around my file but she sure did find all my various retirements accounts, large deposits, and probate recordings! If I was going FHA, I suspect the grilling would have been worse.>; )
rsj wrote: RIF I have reread your comment and I am sorry I dont understand it.
No problem, I don't understand my comments sometimes either, I just write 'em like I hear 'em
I think Prince and U2 are such hit machines they would have risen to the top even purely on singles.
Both are amazing. I have posted here before about the influence that Prince had on early/mid 1980s bands. One of the things that drove me out of the business was bands that came in and wanted to "sound like Prince" when they couldn't write a hit to save their lives and just wanted to be clones.
sm:
"It only takes one to knock over a chair during a take. When there's 90 of them, you can't easily point fingers."
Reminds me of a recent performance of a Schubert symphony in HK-- when the clarinet cracked a note on a key attack our very own Edo de Waart glared and flipped him the bird. Only those sitting as I was behind the orchestra could see it, but it sent chills down my back!
sm_landlord wrote: bands that came in and wanted to "sound like Prince" when they couldn't write a hit to save their lives and just wanted to be clones.
Evolutionarily successful survival strategies are imitated until they are no longer successful. Oftentimes this may even extinguish the original innovator.
volker the viking wrote: for me the challenge is identifying which of the forty two voices in my head said it
Well, forty are thieves, so I think that leaves you and God
I'll take a $9k fee everyday for 2 hours of work. What a joke. Really, though, banks, buyers, sellers, and agents, if you need a negotiator, I'm your man.
We have a local woman here who is supposed to rock at getting short sales completed. When a close friend tried to buy a SS in Feb 09, the listing agent brought her in as a specialist. I should ask if she can find the paperwork to see who paid and what was the fee.
I like to listen to the whales sing...Such haunting music they create.
CK- I lived in Maui for 10 years, and the Humpbacks singing was increrdably loud and haunting.
I spent most of the day underwater, or sliding down waves wen I was't high.
As a friend said of Little Beach : Boobs, tubes and doobs, what is there not to like?
Evolutionarily successful survival strategies are imitated until they are no longer successful. Oftentimes this may even extinguish the original innovator.
Sad but true. And that's the second time I've said that in this thread
rich wrote: I just got a spam with the subject: "I can do for you what can not no girl."
Pathetic spam?
Only one way to know. Open up the attachment and check it out.
It sounds like she'll do things with the English language you never even knew were possible
sm_landlord wrote: Sad but true. And that's the second time I've said that in this thread I had the best of intentions to study this stuff for a Ph.D. but found it far too depressing and fatalistic. I might still go back someday but I don't think I could bring myself to do it in something business-related now.
I think in the future, a guy like Springsteen will start by building up a huge local following through live shows.
That was what he did back then - Greetings From Ashbury Park NJ - was a commercial dud until AFTER he became better known [2-3 albums and A LOT of wild live gigs later]. Personally 'Greetings' is still my favorite of all his albums. Its the only one I ever owned.
have posted here before about the influence that Prince had on early/mid 1980s bands.
Having been part of that conversations, I'm reminded that I should go home now to that wonderful woman, but not without a reprise for those who may not have been here:
It is a crime against capitalism to pay a third party to ensure the other parties get their maximum share.
How is it a crime for someone to get as much as they can (third party getting something from the cookie pot too)? That's capitalism in its purest form (per Adam Smith). Same thing as Chinese rickshaw dude chaining his kid to a post outside.
nova, in Seattle some of the music schools (I'm thinking of the Seattle Drum School) but there are others, have small auditoriums around back that they rent out on the cheap. The cost basically covers the engineers who help out. The small local bands who are trying to break through can rent it out and invite their friends and families. They even offer to do a recording of the live gig. Me, I will be at a similar place on Saturday watching two bands with kids as young as 15 give it a shot.
And here I was hoping for a William Shatner commercial.
Darn, I was going to post an OT link and start up an OT conversation about male inequality (ala The Daily Show), but a new post was made. Gotta wait a few minutes to avoid the obvious OT.
Nemo wrote:
That's a phrase I never thought I'd hear uttered on this blog-
Cinco-X wrote:
You didn't name your price.
There is value to the buyer in having someone with experience negotiate with the banks.
Absolutely. That's why the banks and the seller should adsorb the cost.
Look. there is only one person bringing money to the table. That person is in charge. It is a crime against capitalism to pay a third party to ensure the other parties get their maximum share.
what about the Under The Table fee to the 2nd mortgage holder?
Rob Dawg wrote:
Do what people do at car dealerships. Be willing to walk away.
.
Sometimes they let you leave. Sometimes, they will play ball with you.
Yet Spanish consumer confidence is at its highest level since 2005.
Source: Eurowatch blog
Below is a paragraph from his post. What is interesting is how in many ways it is applicable to the US and perhaps the current admin. It is also why housing prices may be so sticky in some areas...
This is not only incredible, it is extraordinarily hard to understand. Even those who doubt that the situation is quite as bleak as people like me argue it is must surely admit that Spain now faces a difficult and testing time. My contention is not that there is anything wrong with this finding, but rather that this is how Spanish people actually think at the present time. They have no idea of the actual economic reality, or of what the future has in store for them. They are virtually being kept in the dark. This is the worrying part, and I fear that all this may well now end badly, very very badly.
Shatner would just bring in the Big Deal and work it out in a few minutes with the lenders.
best wishes
Debt: the final frontier. These are the voyages of the good ship U$$ Enterprise. Its 30-year mission: to explore strange new derivatives, to seek out new loans and new homeowners; to boldly go where no man has loaned before.
Why can't Treasury field a team of negotiators to further their short sales push?
Caution, you're about the enter the No Spend Zone.
Redfin opted out of the short sale market a while back because of the low probability of closing. I'm thinking they'll be back in the short sale business soon, as that IS the market.
Rob Dawg, exactly. Of course the seller has nothing in a short sale, so it is really the bank and the agents that should be paying The Negotiator. As Jillayne noted, the buyer can (and probably should) just walk away.
best wishes
If the listing agent for the seller doesn't know how to negotiate with the lender, first of all, why were they allowed to take a listing in an area beyond their expertise? That aside, if that seller's agent has to hire a third party to negotiate, then that short sale negotiator's fee ought come out of the listing agent's commission. Why make the agent representing the buyer pay the negotiator's fee and then why demand that the buyer pay the fee?
With so much inventory out there, the buyer should call their bluff. If the buyer wants the house that bad, they should be willing to bid on it at the auction. Then the buyer doesn't have to pay the $9,000 and doesn't have to pay the real estate agent commissions either.
Class Warfare: Classes vs. Prototypes
Whoops wrong thread
Why even bother with a short sale, when there is so much inventory on the market?
A few years back we pursued a short sale. Made a reasonable offer, waited several weeks, only to be met with a counter offer from the lender which was higher than the original listing price. We countered, with a list of necessary repairs identified by the home inspector. They then wanted written estimates for every item listed. I called some contractors, before realizing it was a total waste of their time. We bagged it and found a better place.
Short story on short sales: Forego them for something else on the market. Unless and until the lenders get serious about selling.
the more I know people the more I like my cats
"CONNNNNNNNNNNNNNNNNNNNN!"
yagij wrote:
no they don't
and no they won't
just fold your arms and stay stupid til you get what you want the way you want it
they do NOT want to go back to their superior and explain why we still have this albatross on the books
CalculatedRisk wrote:
would miracle it done
Outside, Your experience was not unusual, and short sales really only worked for investors in the past or other buyers people who could wait. But now the lenders are getting serious - and I think short sales will become much more common this year.
best wishes
An eye-opening excerpt from Andrew Cuomo's lawsuit against BofA for its Merrill Lynch acquisition:
Ken, I Thought You Said We Were Buying a Laundromat
read the more here....plain sad or just fucking hilarious
CalculatedRisk wrote:
then they will develop disproportionate bonuses for same
more reason why they will not want to go back to their superiors and explain why they failed, no--why they cost their boss some money
$9,000 per deal? What kind of morons are they? Only 10 negotiations per year would make him rich. So the greedy SOB is slow, stupid, or both?
With all this spare time as an unemployed lout, I've been listening to some of the music from your generation, boomers. I must say that I approve of Styx and RUSH.
Hoops... Please...Not them. Blue Collar Man is a good song but...
But now the lenders are getting serious - and I think short sales will become much more common this year.
CR, you know more than me, and it would be good if the lenders are getting more serious.
But if someone approached me with a $9K bill for a short sale negotiator, I would not consider that a serious attempt to get me to buy.
I'd tell them thanks but no thanks. And move on to the next prospect.
I just love the smell of rent capture in the morning. It smells like money - sucker's money - the sweetest kind.
Hoopajoops LTD wrote:
you need to go a good deal further back, say 10 or 30 years
start with Carl Perkins
volker the viking wrote:
We're not all that bad. Can I borrow a twenty?
nova wrote:
"Come sail away, come sail away, come sail away with me..."
I'd definitely tell this guy to pound sand - or get it from the listing agent. I wouldn't pay him a dime and neither should anyone else.
But I think this story is worth getting out there because I think short sales are becoming more common and some people will try to take advantage of the situation.
best wishes
"The Negotiator"
My last apartment, I stayed there for 6 months, I payed the first down payment and the first rent like 600 bucks. I had the place looking good, never payed a dime after that. My parents supplied the dime, I told them not to but they insisted. You have to understand this was the shittiest part of town. I told them no. I will stay untill they kicked me out. I was living it big, not stealing from nobody but bringing wealth to the hood (don't ask, the new supreme court decision renders my case obsolete though), then one weekend I spent the weekend at my parents house, came home to come crackhead break in. tore the place up. Now if I were really living there for free, I would have shot the crack head, killed him and burried him in some ditch. But I was not. My parents were paying the rent for me, it was just not fair. I want another shot, that's all I'm asking. Oh and only around 150 bucks for rent. That's all I'm paying anyway.
volker the viking wrote:
Oh no! Another
person!
Blackwaterwannabe wrote:
no sweat, $9,000.00 please
We're not all that bad. Can I borrow a twenty?
At 30% interest, we may just get volker to like people again.
Edit: $9,000????? He's not greedy, eh? I think too small.
nova, there is something enchanting about music from a time when a rock ballad could be written about a pair of hobbits battling a necromancer in his evil necromancer lands
Can a whole country, or for that matter a whole world, be sold short. Or sold out?
Too much time on your hands, Hoops?
kidbuck says, "$9,000 per deal? What kind of morons are they? Only 10 negotiations per year would make him rich. So the greedy SOB is slow, stupid, or both?"
I think the negotiator is trying to double dip or protect the listing side commission. If the bank/lender won't pay a negotiator fee and also demands that the real estate agents cut their commission, then the real estate broker can protect revenue by demanding the buyer compensate his two companies via this legitimate-sounding "Short Sale Negotiator" fee.
greenchutes, more time than I know what to do with.
volker the viking wrote:
Alot of my business friends have $9k to invest anytime they want, with friends that could pitch in twice as much...and would.
I need to get new friends.
Hoopajoops LTD Styx and Rush are more from the older Generation X teenage years instead of the Boomers.
Hoopajoops LTD wrote:
I thought retirement was something we all strove for in our lives, or have we been lied to again?
some people will try to take advantage of the situation.
Ah. I see. Short sales: the next big bubble.
The "short sale negotiator" market is bound to be flooded by ex-mortgage brokers.
It smells like money - sucker's money - the sweetest kind.
Substitute the word 'blood' for 'money', and you've got a vampire monologue. Is that where we're at?
I've just decided that there is a better gig than being a 'Short Sale Negotiator' and that would be selling DVDs and books via paid seminar and infomercial TEACHING OTHERS to become 'Short Sale Negotiators'. Too bad Billy died so young.
You'll always be a jet fuel genius in my book, Hoops.
yagij wrote:
just another racket, like the rest of what we have created
$9,000.00 please
pavel.chichikov wrote:
In the building trades, you better believe it. I could tell you stories..
dryfly wrote:
With EZ-Swipe, you can move those toxic assets away!
Thx for clarifying to Hoopajoops because I was hating this
yagij wrote:
I thought retirement was something we all strove for in our lives, or have we been lied to again?
LOL... yes, we should work harder and harder so that eventually we don't have to work... now there's one worthy of Yogi Berra.
Billy? Think Carlton Sheets.
My husband got his program way back in the 80s, just about the time we were getting married. I put my foot down and forbade such risky nonsense.
Dumb me. I think it was the only time he ever listened to me. Serves me right.
Outside says: "The "short sale negotiator" market is bound to be flooded by ex-mortgage brokers."
Actually, all the former subprime mortgage brokers opened up loan modification companies. Now that half their friends are being served with federal indictments, being a short sale negotiator seems like a better option.
For Hoops, thread music: YouTube - Styx - Too Much Time On My Hands
Thx for clarifying to Hoopajoops because I was hating this
Ha, sorry about that. Everyone over 30 looks alike to a youngster like me. Dang, come to think of it, I'm turning 27 in a few weeks and haven't even started my career yet. I bet I'm pretty typical for this generation.
Styx released their first album in '72, and Rush was actually kicking around back in '68, though they didn't become the trio they are now until '74.
Hoops,
Listen to some Janis Joplin and not "Me and Bobby McGee." Please.
*yes, we should work harder and harder so that eventually we don't have to work... *
When you stop working you begin to die. The idea is to find something you love to do so that you can do it until the day you're ready to move on.
Hoops if you want boomer music I suggest 3. KC and the sunshine band, The carpenters, and Captain and Tenille (ooooh Muskrat muskrat...candlelight....EARWORM mwahahaha) There is some boomer finger lickin music.
Am I evil? Yes. Yes I am.
Speaking of 27 years old! The three 'J's to not make it past that age are probably the purest example of boomer music.
listen from the guy that wrote it
YouTube - the Essential Kris Kristofferson Me and Bobby Mcgee
Dryfly: "I've just decided that there is a better gig than being a 'Short Sale Negotiator' and that would be selling DVDs and books via paid seminar and infomercial TEACHING OTHERS to become 'Short Sale Negotiators'."
Yes dryfly, the real estate market is currently flooded with real estate agents marketing themselves out to be short sale experts and they'll teach you everything they know. Today only; special price, books, tapes, coaching...etc.
greenchutes wrote:
Jimi, Janis, and.....?
Jim Morrison?
When you stop working you begin to die. The idea is to find something you love to do so that you can do it until the day you're ready to move on.
I'm just another sad guest on this dark earth.
When you stop learning you begin to die.
FIFY
No worries Hoopajoops .... check this out
YouTube - Grace Slick - Pretty As You Feel
jillayne wrote:
Makes perfect sense really - I had a chem engineering buddy who spent the better part of the 80s at places like Los Alamos, Oak Ridge Rocky Flats, & Hanford designing & building equipment to process various radio-isotopes for weapons... then much of the 90s and 00s designing and building equipment to do the clean up. He said his firm will make $10 in clean up for every dollar they made making the messes. But then by now they are experts in handling the 'stuff' so who else do you call?
FIRE - if they work it right - will do the exact same thing. Money on the way in - way more money on the way out.
pavel.chichikov wrote:
in nature. Appropriate, then, that the mechanism of its continuance is the same as that of the rentier economy...
When you stop working you begin to die. The idea is to find something you love to do so that you can do it until the day you're ready to move on.
Retirement as most conceive of it, then, is anti-life or
OT: But related to what I posted during the SOTUA by Obama.
Here come the Executive Orders!
WH to issue executive order on debt commission 'shortly' - The Hill's Blog Briefing Room
$9,000 per deal? What kind of morons are they?
I agree. In today's market the negotiator could buy a new Toyota on just one deal.
Hoopajoops LTD wrote:
There is your problem right there. Mellow out. Pack a bowl, have a few drinks and then instead of being a sad guest you can be the guest that everyone has fun with, enjoys and wants to take home.
This reminds of the days when I was young,had saved my money and decided to buy a new truck.At the closing the salesman had added a $65 fee.When I asked what the fee was for,he told me it was for the racing stripe.I told him it was a truck,not a race car and suggested he get some paint thinner and a rag to wipe it off with.He said he couldn't do it,and I walked out,when the manager tried to stop me I told him I did not do business with cheap crooks.I bought a used truck instead and am glad I did,cash talks.
CalculatedRisk wrote:
these are the people the seller knows personally and are trying to bail them out of a hard luck loan story gone bad.
In the agricultural era, I presume that you worked until you died - and when you started to get weak, you lived with family, but still puttered. I imagine that's not a bad way to live.
There is your problem right there. Mellow out. Pack a bowl, have a few drinks and then instead of being a sad guest you can be the guest that everyone has fun with, enjoys and wants to take home.
YouTube - Tom Waits -'Make It Rain'
This whole story is shocking. Also, in my neck of the woods $9,000 can buy a helluva lot of negotiation.
"working
learning."
Learning is part of good work. Where's the fun in doing the same thing over and over again? And since many of us have lost community, when we do work it's lonely.
Telling people that earning a good living will make them happy is a swindle. It's not enough.
CitizenPither wrote:
LOL - nothing to do and all day to do it... nowhere to go and all night to get there... they should have tried blogging. Problem solved.
More 70's goodness for Hoops: YouTube - Al Stewart - The Year Of The Cat
dryfly wrote:
best ever:
YouTube - Tom Waits - Small Change
Who wants an update to this sad tale? Just heard back from the real estate agent.
And there is a BIG need for volunteers,Call VNA/Hospice or whomever.You keep busy,network with good people and help your community in a very real way.
ME,Me,ME,I have a taste for the grotesque.
jillayne wrote:
Only if its an unhappy ending - we love
here.
My favorite early 70s jam, which captures the post-Altamont nihilism perfectly:
YouTube - SLY AND THE FAMILY STONE - IN TIME
pavel.chichikov wrote:
You know what pavel? I have decided that this time of stress, isolation and weak community and family ties is the perfect time for people like me.....aspies were born able to thrive in this sort of zone. You just hve to flip it around abit and I bet you see...quiet solitude with no endless yanking and pulling from those around me to make me fit the slot others are able to fit automatically and everyone else suddenly realizing the manual they were born knowing doesnt work anymore so EVERYONE ELSE is learning to do what I learned earlier....read each situation and if it mattered to me to analyze as much as possible take nothing for granted social-wise. Basically I think that is why I am not so stressed and angry as many others I see around me.
Is is just me, or have we been breeding opportunists like rabbits for the past generation to the point where they are as common as 7-11's now? Has society always had such a vast underbelly of scumbags? I'd always pegged the number at around 10%, but I'm starting to think it might be higher.
feed a man some labor he has work for a day, teach a man a trade and he will eat for a lifetime.
Hoops, you could try listening to the boomer music that nobody listened to when it was new but which has inspired so much of what came later:
YouTube - VELVET UNDERGROUND - Sunday Morning
YouTube - Captain Beefheart - Click Clack
"Telling people that earning a good living will make them happy is a swindle. It's not enough."
when I started treating work as just that and not part of my identity; and started paying more attention to outside pursuits such as my mountain biking and time with my wife and friends I became a lot happier.
I'm perfectly happy, most of the time, not rising on the corporate ladder nowadays.
Real estate agent for the buyer makes a full price offer but with a reduced "short sale negotiator" fee closer to current market rate of $1,500. Real estate agent for the seller says the sellers have rejected the offer. When asked for a reason, the agent says "because we're two weeks away from the foreclosure auction and the sellers don't want to bother with submitting the offer to the bank now."
Wait, what? Then why even bother with listing this home for sale if the sellers don't want to bother submitting a full price offer.....or IS it because of the fee.
jillayne,
We are listening even though it may not seem like it.
Hoopajoops LTD wrote around 8:34 a.m.
Sorry I had to leave abruptly, but I did get your reply. I can definitely emphasize with this guy. Sometimes the best thing one can do is lie face down in the grass. Eventually, though, one has to get up at some point.
It's often been said that no one really can help anyone else. That may have been the lesson. Hope he and his spouse find a way to cope with their situation. So far, at least, they still have each other.
recently, i looked at a short sale and was told I had to pay the existing "homeowners" $15,000 in cash post closing or they would trash the place before they left. apparently, they were upset that they weren't getting some money for leaving "their" home. gees.
or IS it because of the fee. ...
The Agent was getting a kickback?
jillayne wrote:
Bet sellers were getting a cut of the $9K too now nothing so F it - ya think? Or am I too jaded?
SEC just dropped the Broadcom NIcholas charges. Truly the great Gatsby of his time.
I see your IN TIME and raise you
YouTube - Sly & the Family Stone - I Want to Take You Higher (Live at Woodstock, 1969)
rsj wrote:
quiet solitude with no endless yanking and pulling from those around me to make me fit the slot others are able to fit automatically and everyone else suddenly realizing the manual they were born knowing doesnt work anymore so EVERYONE ELSE is learning to do what I learned earlier
"Knock-knock!"
"Who's there?"
"Adulthood."
CitizenPither wrote:
Paradise Theater was Epic in it's time. It's still on my all-time favorite albums list.
I said "album." I'm old.
Yikes Lurker, this is most likely a violation of state and federal law. Walk away from those situations and then just buy the home trashed as an REO at hopefully a much lower price and save your $15K to fix it up the way you want it.
Holy crap dryfly of course you're probably closer to what might be going on here! "Bet sellers were getting a cut of the $9K too now nothing so F it - ya think? Or am I too jaded?"
Jillayne I know several brokers who are highly competent and completely ethical.But I know many more who are completely oblivious when it comes to ethics or even the law and many of them make very good money.Perhaps they are sociopaths?
Better choices, sorry I should have dug around on YouTube a little longer:
YouTube - Captain Beefheart - Electricity
YouTube - velvet underground - venus in furs
Tom Stone wrote:
Perhaps? That was
right?
OT, but WTF is this crap?
Santander Plans Covered Bonds After Abbey Postponed (Update1) - Bloomberg.com
European Central Bank’s covered-bond purchase program, Engelhard said, unlike the U.K. notes proposed by Abbey.
“For the second time in a week, Santander is seeking to sell covered bonds at spreads very similar to existing notes,” said Ivan Comerma, head of capital markets at Banc International-Banca Mora in Andorra, who was invited to buy both Abbey’s and Santander’s bonds. “As the Spanish notes benefit from the ECB’s purchase program, the chances are better that this deal will fly.”
Covered bonds are typically backed by mortgages or public- sector loans. The collateral backing the debt remains with the borrower, who also guarantees the bonds. They date back to the 18th century, when they were used in Prussia to finance agriculture, according to the European Covered Bond Fact Book.
nova recommended some Janis, always a superb choice. My favorite:
YouTube - Janis Joplin Turtle Blues
Yes it was Dryfly,but there are so many of them it boggles me at times.Did a TV diet cripple them somehow?
real boomer tune:
YouTube - Seatrain 13 Questions
for ResistenceisFeudal:
"Adulthood."
Here you go. This is more Gen X thread music:
damit by Blink-182
YouTube - blink-182 - Dammit
dang the lead singers are hot.
Lurker, You should have gone back and burned it to the ground.
Hoopajoops LTD wrote:
If you liked that, check out what your generation has done with the theme. One killer band is Vanden Plas, and I would start with "Beyond Daylight"
dont kid yourself, STD has a boatload of SOV, major Alt-A lender north of the Appalachias.
Ah,janis.First concert I went to was Janis opening for Jimi.My hearing loss will never let me forget it.
Then why even bother with listing this home for sale if the sellers don't want to bother submitting a full price offer
Just another reason to forego the short sales. Yuck.
Or, to coin a phrase: Just Walk Away.
Art Eclectic wrote:
I suspect that applies to me too. Although, I think the album, that is to say a cohesive multi-song work, is not yet dead. *Ok Computer *comes to mind, for example.
What I miss about 70's music is the willingness to be silly or literate or just longer than 3 minutes 44 sec. Bands like Genesis, Queen, or Styx recorded some real duds in their time but the era would be poorer without "Fooling Yourself" or "The Firth of Fifth" or "Bohemian Rhapsody".
Wow. Nice double bill Tom.
rsj wrote:
I'd agree about loneliness but not about the current environment. The current environment is amazing hostile to non-social people. For the past five years, I've been constantly accused of things I didn't do, or of things I should have done, by the lying sack-of-shit gossip mongers around me who's purpose is to deflect blame on to others and control the group consciousness.
I've had to spend large chunks of time constantly defending myself instead of working.
That's what the USA is now.
A constant social battle to avoid being one of the fringe elements that gets booted in the next layoff.
Art Eclectic wrote:
Has society always had such a vast underbelly of scumbags? I'd always pegged the number at around 10%, but I'm starting to think it might be higher.
Our sick consumer culture produces them by design, via behavioral conditioning and our institutions.
That track is in my free 25 lala songs. Great exercise track. Sly was amazing. Nice live sound for the stone ages in the middle of nowhere, too.
Tom Stone,
I wish I would have videotaped some of my mortgage broker ethics classes I taught from years 2001-2006. Instead all I have are the nightmares that keep me awake on sleepless, stormy nights.
Perhaps in time they shall become a separate species, like the Morlocks and the Eloi.
ResistanceIsFeudal wrote:
It began affecting me after the first crash, the dot com crash. We had quarterly layoffs and everyone was afraid they'd be the next one to go. Now, in an environment where there's WORK to do, it's not an issue. But when there's not enough work, what happens is you get a lot slander and coalitions and games.
The whole fricking country's been turned into a long-running episode of "Survivor".
Ironically, downloading has taken us back 50 years to the time of singles.
broward wrote:
Find the right group of people, broward. The company I work for now treats me very well, based on my work, even though I don't socialize with the others.
One last song for Hoopajoops (I promise), and an excellent one at that: YouTube - Steely Dan-Kid Charlemagne
Very grateful for Steely Dan.
You know what pavel? I have decided that this time of stress, isolation and weak community and family ties is the perfect time for people like me.....aspies were born able to thrive in this sort of zone.
rsj, what are 'aspies'?
Writing, painting, composing music are inherently isolating vocations, but I find that at least I get a lot of work done.
volker the viking wrote:
Back then I went thru a Jan Hammer-John McLaughlin-Billy Cobham phase after my older sister gave me a Mahavishnu Orchestra album - man did my parents bitch.
For Hoops, and the nostalgic, I enjoyed this last night:
YouTube - History of British Rock - Part 1
Some great live footage...
Im gonna respond one more time just to make it clear.
Santandar bot Sovereign Bancorp....after the Wamu failure it was the number one thrift in the US, IIRC.
Jillayne,I worked as a Mortgage Broker 2005-2006 and would have no problem with anyone auditing the deals I made.Of course I did get fired twice for saying it was a bubble and killed more deals than I made by being honest.I did keep my self respect.
CitizenPither.
I was listening to that on the way home. I think that was Larry Carlton playing a hollowbody.
greenchutes wrote:
Sad but true. However, I believe that listeners will eventually begin to understand the album concept again. But it's a chicken/egg problem - the investment required to make an album that holds together is pretty big, and getting to market intact is challenging. But hey, Pink Floyd leveraged "Money" to get Dark Side of the Moon noticed...
Aspies = people with Asperger's syndrome
Asperger syndrome - Wikipedia, the free encyclopedia
With all the hellacious things I listened to, my parents adapted. They had insulation installed in all the INSIDE walls of my bedroom.
"Perhaps in time they shall become a separate species, like the Morlocks and the Eloi."
Great book to buy. You could buy it used via amazon for under $10. "The Sociopath Next Door." Author says in some Native cultures, once the group identifies the sociopath, they plan a hunting trip, isolate the sociopath and then push him off a cliff. This might not work with the predatory lenders. Someone would notice 100,000 people at the bottom of a cliff.
It isn't an entirely bad thing - those Chess blues sides, Sun records stuff, Phil Spector, Motown, Stax - a few musical scenes did quite well without needing the album as a medium.
jillayne wrote:
When my sister was finishing law school she said the perfect law resume has on it ... "and I passed ethics with flying colors... the second time"
dryfly wrote:
One of my favorite concerts of all time: J.M. and the Mahavishnu Orchestra (with Jean-Luc Ponty) opening for Emerson, Lake, and Palmer. At the Santa Monica Civic - 3000 seats total. Man that was loud.
CitizenPither wrote:
I think they already have. Unfortunately, law enforcement thinks all the predators they need to lock up are black and brown. They ignore the ones with briefcases.
Okay. Marvin Gaye. The whole album. He knew the secret.
That sounds like way too many notes.
You have taught me a new word today: Aspies. My nephew is an aspie. We go to the movies together all the time. He notices stuff that I don't notice like shadows and objects whereas my brain is cued to the faces and relationships. He noticed more freaky stuff in Paranormal Activity than I ever say. Aspies rock. We just saw Zombies of Mass Destruction last week.
patientrenter wrote:
After the past five years of consulting, I don't think such a thing exists, especially now.
flaminia wrote:
We lived in a monstrously huge house part of the time - they moved us kids as far away from them as possible and said 'knock yourself out'... plus it didn't hurt that my father was an ex-artillery officer and almost deaf.
greenchutes wrote:
My head spun for days. And it wasn't just the volume
Someone would notice 100,000 people at the bottom of a cliff.
Amazing! Sometimes one can be funny and grim simultaneously.
dryfly wrote:
Sea Train was amazing live, I think.
broward wrote:
The whole fricking country's been turned into a long-running episode of "Survivor".
Sadly, I think that is also by design. See broward, what's really going on here IMHO is the nearly-successful coup of the administrative mercantile class over the creative/inventive idealist class... you can see it everywhere from universities to corporations, to DRM and intellectual property legislation that's coming to bolster the rentier economy.
Tom Stone wrote:
You did the right thing, Tom. BTW, I can't say voicing my opinions a few years ago about the future of CRE did wonders for my career, either. I think I finally latched onto CR's blog when I realized no one was going off on me for my doom and gloom.
Of course, once I got here, I met some real doomsters.
A physical copy of 'In our Lifetime' is on the to-do list. Too bad he died before he could make peace with Gordy and give us a "Director's Cut".
Hoopajoops LTD wrote:
try this if you like melodious rock (not mainstream):
Wishbone Ash - Leaf And Stream
Tom Stone wrote:
at least there's that, such as it is
We just saw Zombies of Mass Destruction last week.
Anyone we know?
dryfly Attorneys tell me on their bar exam, the ethics exam takes one entire day.
With the loan originators I teach, last month one of my students raised her hand during the ethics portion and said "Excuse me but is any of this going to be on the exam because if it's not, can we just skip it and go home early?"
greenchutes wrote:
Well, which ones would you take out?
You'd better sit down before listening to Art Tatum.
what's really going on here IMHO is the nearly-successful coup of the administrative mercantile class over the creative/inventive idealist
class...
Sterility, then extinction?
CitizenPither wrote:
My parents thought I might have this, and dyslexia. Turns out I was just weird.
I listened to a bunch of Tatum years ago in my college days. I had a great CD with him, Hampton and Buddy Rich that particularly stands out.
pavel.chichikov you crack me up. Actually Zombies of Mass Destruction was filmed in Port Gamble, a tiny town Northwest of Seattle and almost the entire cast was in the audience. The very best two characters are two gay guys, who are visiting one of the guy's moms in order to come out and he really does NOT want to break the news to her. Totally hilarious movie.
What I noticed when I back from overseas in the late 70's was the absence of black people at concerts. That and bowls being passed.
I have two "seller approved" contracts for short sale properties... One was signed over a month ago and we have seen zero progress. The second was signed today. So far no Negotiator fee has been requested.
This is some new stuff; attempt to mix rock with rap .... at least it's an improvement! Give it about a minute
YouTube - The Roots - The Seed (2.
ft. Cody ChesnuTT
I'm not sure how things are moving outside of my area (no ca) but often the sellers will list the house as a short sale and use the low ball offer as a negotiation/valuation tool to try to get a cramdown. It works maybe 10% of the time.
The other tactic is for the seller to move out, rent out the house, and then list the house as a S/S to delay the foreclosure. I ran into this about 6 times this fall. Homes with tenants are harder to show and show poorly, and are usually unsuccessful because you also have to hope the tenants evacuate at the correct time and they are an extra layer of risk regarding the condition of the home when you take possession. My agent would go through delay after delay trying to get an appt to show and then if they did manage to get the tenant's info, the tenant would invariably not answer the door at the time of the appt because they don't want to move anymore then the seller wants to seller his cash cow defaulted house.
Then you have to hope that there is only one loan on the house.... S/S are a ton of trouble but when they do go through, it's awesome. I close on mine in less then 10 days. The waiting sucked because you have no idea whether the seller, the seller's agent, or the bank is going to play ball. But once we got the offer letter back from the note holder (single institution, not trached and split up), the escrow has been so smooth. My purchase price was 36% of the outstanding balance and 8k more then what it sold for in 1996. I still can't believe it's going through.
some investor guy
weird is cool as long as you're not a sociopath or we'll have to push you off a cliff.
I just got a spam with the subject: "I can do for you what can not no girl."
Pathetic spam?
You'd better start recruiting for the People's Poetic Resistance Army, Pavel. Don't go down without a fight.
sm_landlord wrote:
We work in the music biz and I agree. What will happen at some point is that genuine artists will start putting out musical opuses that all work together like some of the best albums are. You'll still have pop music totally dependent on singles, but at least we will all be spared the need for them to record 11 other songs of dreck to sell the one song. I look for a few bands to start producing epic full albums that need to be enjoyed as a whole orchestrated piece of musical art. I think they will do very well, but it will be an exclusive club.
Volcker,self respect is essential if one wishes to have a good quality of life.To me it is worth more than life itself.
sm_landlord wrote:
Metallica played the same venue. NISM?
volker the viking wrote:
LOL - sounds like one of my sisters. She saw Jimi Hendrix back in the day - not too long before he died - she believes Led Zeppelin was the warm up act [right after their first album - first US tour - before they too went boffo]. She isn't sure though either - but has it on good authority it was a fine concert. She hung around a group that was know as 'The Last of the Monday Night Trippers'. Nuff said.
rsj,
Aspies never get the manual. The one the "other" people get.
Not Irving Fisher wrote "I have two "seller approved" contracts for short sale properties... One was signed over a month ago and we have seen zero progress. The second was signed today. So far no Negotiator fee has been requested."
Ooo your area is probably considered a growth area for short sale negotiators! Heads up and check back with me next year. It was like that in early 2008 in Seattle for us, too.
nova wrote:
Coconut bowls.
LOL in RE circles, that's what you call a future winner's circle member >; )
ResistanceIsFeudal wrote:
An interesting way to model it.
Art Eclectic
European bands already are. I have been listening to Metal Opera
You'd better start recruiting for the People's Poetic Resistance Army, Pavel. Don't go down without a fight.
It would be a very small army, CP. And no one would pay any attention to it.
some investor guy wrote:
NISM? The old Civic Auditorium...
This time last year there were very few short sales on the market. We are averaging one new listing per day over the last three weeks. I am sure the negotiators will make there way here soon.
That and bowls being passed.
That can be cured with lots of fiber.
Pavel,
They were filled with fiber...
Pavel,
"They were filled with fiber... "
I figured.
ResistanceIsFeudal wrote:
they are beating the last scintilla of individuality from each of us
well, maybe you guys
pavel.chichikov wrote:
That's not a concert.
That's a retirement home.
Tom Stone wrote:
Guiding principle: A man's credibility is never questioned until it has already been lost.
Meanwhile, I'm channeling nova:
Marvin Gaye - What's Going On
complete with vintage video.
volker the viking wrote:
No, just my desire to accomplish anything further.
Art Eclectic wrote:
That would be great, but I don't know how to make it happen commercially. Back when I was in the business, it was nothing to spend 3 months in the studio, and one record I worked on (Rumors) took 18 months in the studio. These days, musicians have to find their own space for long enough to pull it off, then somehow get it to market and recoup the expenses. Not Easy without record company backing.
some investor guy wrote:
dryfly wrote:
Hats off, dryfly. Not many people were familiar with Jan Hammer and John McLaughlin.
some recent bands still do it.
The Decemberists - awesome album
The Crane Wife - Wikipedia, the free encyclopedia
broward wrote:
An interesting way to model it.
"They" want to be the perpetual gatekeepers of the media channels skimming transaction fees for serving content on demand, and to determine what does and doesn't pass across them. It's not entirely unlike the banksters, in fact. Same underlying archetype. If you don't create value, you have to steal or extort or counterfeit it. Period.
Deflationary Jane wrote:
To paraphrase Monty Python, it's not done yet.
"Sadly, I think that is also by design. See broward, what's really going on here IMHO is the nearly-successful coup of the administrative mercantile class over the creative/inventive idealist class..."
.
Said Hutchinson re GE:
Yes, Virginia, you could have had both robots and the Internet. The 1950s dream of an infinitely prosperous United States full of household robots and other high-tech wonders was not a fantasy, it was there for the taking. Only political and business incompetence prevented us from achieving it.
Hutchinson on the murder of US manufacturing
they are beating the last scintilla of individuality from each of us
If you still feel it there is still hope. Pain is a normal response to trauma.
sports fan and Tom Stone,
Yes there were definitely some great loan originators during the bubble that didn't rape the consumer. Those folks are still around writing deals today and made it through 08 and 09. They're the solid core LOs with a strong sense of what it means to care for one's client instead of using people for one's own self interest. There are PLENTY of these great LOs out there.
sm_landlord wrote:
So I suppose a new symphony is just out of the question, huh?
pavel.chichikov wrote:
Aspies are people who have Asperger Syndrome. It is part of the autism spectrum. Very very high functioning but 'off'. Difficulty reading facial expressions and body language, unspoken cues are unnoticed, odd gaits, odd speech, lack of need for social interaction and lack of ability to do so even if interested, it is actually very fascinating. I am even on odd one among the odd since I am very socialized compared to others. I say it was the waitressing. It trained me in small talk, in being 'on', the importance of smiling and it has made eye contact easier to do.
Broward that is a very good point however I do not work in an area that requires interaction like that. I have managed to set my life up that I interact with lots of people in a limited quick and superficial fashion.
So I suppose a new symphony is just out of the question, huh?
Atonal and derivative? All you want.
sportsfan wrote:
Symphonies are different - they depend on private contributions and subsidies. But that's probably not easy to pull off these days either.
nova wrote:
Excellent.
I think it will take a while for over here. The Music Industry over here still hasn't accepted single/download as the gospel yet. They have to let go of the "album" for it to be reborn as art.
sportsfan wrote:
There, always have been, and always will be, good unemployed musicians.
greenchutes: Diana Ross' tribute to MG
YouTube - DIANA ROSS - MISSING YOU Alim
Thanks for the explanation, rsj.
Great albums do not require great budgets. The Velvet Underground's first album cost next to nothing and remains one of the major classics of its decade. All you need is a bunch of great material that sits well together, sequenced properly.
pavel.chichikov wrote:
I'm guessing that you are not a Kronos Quartet fan...
Tom: it's all good note the smiley
flaminia wrote:
Easier said than done. Do you have any idea what it takes write and produce something like that?
Full Disclosure: An old friend of mine was the bass player for Velvet Underground.
volker the viking wrote:
To be nobody-but-yourself-in a world which is doing its best, night and day, to make you everybody else— means to fight the hardest battle which any human being can fight; and never stop fighting.
e e cummings
Try this Art Eclectic...
YouTube - Leaves' Eyes - Elegy
Yes, I do. Talent.
sm_landlord wrote:
I think you know I was just kidding about a symphony coming out of the studio, but I actually do have a connection to a vocalist who performs in front of an orchestra and it's an amazingly different sound than the screaming that passes for vocals in pop and rock music. My era was early 70s, yet no one has mentioned The Who or The Doobie Brothers.
sportsfan wrote:
Yes,
There is no money in that for the record companies, producers, musicians or distributors. See Lady Gaga if you want to understand where the music industry is going. Music is a low cost app, which is almost worthless.
broward wrote:
I'm with ya, bro
no more than necessary, and on my own terms
I do what I do because it is my pleasure.
rsj, pavel.chichikov
my nephew got into a good program in junior high and high school that identified aspies and put them together in one class once a day and taught them all kinds of social skills. We have a high number here in the Seattle area for some odd reason.
Writing a symphony only costs a box of pencils and a couple of music pads.
sm_landlord wrote:
What I'm thinking is that "albums" have to be entirely discarded. Just like 50 years ago. Just singles.
Then, some real musical artist will self-finance.....some epic thing....someone like Trent Reznor who is extremely progressive and has a loyal following. Someone along those lines will release a monster that gets sold as an old fashioned album is. You want the whole thing. Albums will be become like classical music is now. You want the entire orchestrated selection, not just 3 minutes of the good part.
rsj wrote:
My first real job was in field service so I dealt with customers daily. Up until forty, I had abysmal luck with women, with four-year periods of abstinence because I couldn't make a connection. I'm not sure what happened to me around 2001-2002 but it was like I woke up out of a dream and I re-directed a lot of analysis to people, expression, stance, etc and I am now have periods of super-acute perception, often based on context and information deduction (for lack of a better expression).
it's very easy to see the slander network in operation with my website. When I apply for a job in Phoenix, the slander network kicks in and I'll get a series of cascading hits from Phoenix as the participants call each other to discuss me, and then I'll oftten get an email or call from a "long-lost team member" a few days later.
broward wrote:
^^ That
greenchutes wrote:
You're forgetting time. There may be coffee and/or booze involved as well.
i have 2 wishbone ash vinyls. played them a lot in college. mood setters. and those guys had nice guitars too. one night i was listening to them, in dorm, went down to bathroom...i think 1 per 8 rooms or something like that. and we were not coed. but there were 2 girls getting shower. yeah they were open shower so i poked my head in. they had no issues with it. something about getting beer spilled on them. i told them i had some towels and gave them room number. 5 minutes later we were listening to wishbone ash. pretty much played it all night long. all night long.
I'm guessing that you are not a Kronos Quartet fan...
I'm for anyone who can give a good performance of Bach, Telemann, Schubert, Rachmaininov, Scarlatti, Prokofiev, Wagner...But I also like lots of non-classical music too. I went through an Afro-Cuban few weeks a while ago.
Jillayne,
I have read rsj post that being "aspie" worked as a survival trait. I agree with that.
Yeah, but NiN only exists because it still had that album-tour paradigm to come up through 20 years ago. High concept guys like that are going to have a much harder time establishing an audience now and in the future.
Don't forget - Prince, U2, Pink Floyd and Springsteen all would have been dumped after their first album by the post-1995 music business.
YouTube - Radiohead - Jigsaw Falling Into Place
Wow, now here's a whole new way of looking at it...
Daily Kos: The rich, the poor, sex & money: How to avoid "money pervs"
greenchutes wrote:
Yeah, but performing it is a little more complicated.
Not only that, but it's hard to fit 60 or 80 pieces in a studio.
flaminia wrote:
True. The expensive part is the payolla and marketing. You can record a good album on less than 80k today...but then you have to spend a couple million on radio and marketing to get it moving in the pop market. Less in the country market.
rsj wrote:
It is part of the autism spectrum. Very very high functioning but 'off'. Difficulty reading facial expressions and body language, unspoken cues are unnoticed, odd gaits, odd speech, lack of need for social interaction and lack of ability to do so even if interested, it is actually very fascinating.
In the brief but unforgettable moments wherein there is no "there" there, no "ego' to be egotistic, and you are really living!
Mozart and Haydn wrote for much less than 60 pieces. And that's the beauty of it - it doesn't need to be recorded to a mic to exist - it exists the moment is on paper! 19th century technology can be liberating.
Comrade Kristina wrote:
I think I get this gist of the article, but...
CitizenPither wrote:
And who can forget his speech to the NRA? "when will they take myself from me? when they pry it, and my ammo clip, from my cold dead fingers"
Charlton Heston was nothing next to the way cummings could whip the gun lobby into a frenzy.
I used to listen to a guy who wrote symphonys around noises he heard on his radio while flying. Stuff like you heard on short wave. They were pretty good.
You want the entire orchestrated selection, not just 3 minutes of the good part.
.
Yes, bleeding chunks is for the radio. Among the young people I know these days, only the classical freaks opt for CD's. mp3 snippets seem to work for many of the rest of them.
greenchutes wrote:
Writing a symphony only costs a box of pencils and a couple of music pads.
Quite the ROI there... almost as creatively efficient as buying a lobbyist is economically efficient!
sportsfan wrote:
I've done 85 or 90. But it's a lot of work!
And somehow, they always seem to start blowing takes right before the end of the three hour union session limit. So it always takes at least two three-hour sessions to get what you want.
Good point.
I got my scare early when it looked like my divorce didn't record and the underwriters want to hit me as liable for my ex's student debt. One flash of the final separation paperwork and it was all cleared up. Now underwriting says I can close early if I'd like.
I did go conventional 20%, seasoning in the bank, DTI of 27% on the piti. The note holder signed off on the price reduction so the back taxes clear title. Home inspection done with the appraisal suspiciously close my accepted purchase price. Roof inspection clean and pest report came back with 2 window sills with a small amount of dryrot (less then 1k to fix) but I'm conventional so who cares.
I'm trying to think of what can go wrong now because the pessimist in me says something will.
I like to listen to the whales sing...Such haunting music they create.
broward wrote:
Your post was all making sense until you started to sound like a tinfoil hatter, or was it H Ross Perot?
Haha yagij, but that sentiment is growing...I just have a mental pic of Lord Blankfein having to register as a "Money Offender" and not being able to live near schools. BWAHAHAHAHA
This is why God made formerly communist europe. You can get a whole week with 80 pieces for the cost of a half day in LA.
The coyote chorale does their thing every morning here @ 5:15 am, about a dozen of them greeting the day...
We have those here as well JD. Sometimes I sit out by the pool late at night and listen to them sing...Chilling.
Anak wrote:
Oh, no, music is now for twitters.
This is why God made formerly communist europe. You can get a whole week with 80 pieces for the cost of a half day in LA.
.
The Naxos business plan of the 80's!
Lately, they've gotten into the historic performances, which is great. Seems they're going increasingly "non-physical" though, downloads, etc.
I remember hearing them do that at sundown in Griffith Park in Los Angeles about 15 years ago. Amazing spooky sound. I decided I'd better hotfoot it out of there!
Was at a New Years' Eve dinner with Billy Cobham 2 years ago, very nice guy. Pretty good squash player-- drummers are strong and fit.
sm_landlord wrote:
Well, uh, yeah, I can understand that. Musicians are a different breed, but they do flock together.
Deflationary Jane wrote:
It is amazing how certain types of debt manage to get into priority positions, or have completely different methods of evidence and collection. Property taxes, child support, student loans, mortgages. It's like nobody wants to be part of regular bankruptcy.
Comrade Kristina wrote:
Or worse. Release the "Money Offender" lists to all of the charities, non-profits, and politicians in the area. It'll make 'em think twice before making any more money (if they did it on the down low)
I'm familiar with the studio used by Naxos for that stuff. Very, very odd building.
They could wear Scarlet "MO"s on their chests....
broward wrote:
You studied it like a foreign language, like a new subject like algebra. Most people dont 'study' it. I am learning more and more about people, they have always baffled me. I liked them and wanted to understand them and tried so hard to be one of them but they baffled me. They still do baffle me many times but now I am relaxed and like me as I am and dont try to be one. I watch. Normals always seem like they were born knowing. Nova nails it in his writing.
RIF I have reread your comment and I am sorry I dont understand it.
Jillayne I enjoyed reading about your nephew. We do rock. hehehe. I say many times if more people understood what it is like to be me, they would envy me at times.
I have to go get ready for work. bye all
Music was one of the few things the communists couldn't take away from the people, so it thrived.
I've gone to many classical concerts in Prague for just a few dollars, set in amazing buildings with quite talented musicians...
Comrade Kristina wrote:
I like when the dinosaurs in the tar pits sing out to the dinosaurs on the shore. Aka Congressional testimony.
Sorta on topic - The Federal Trade Commission moved to protect distressed homeowners from the promoters of bogus foreclosure rescue and mortgage modification services by proposing a new rule that would forbid companies to charge up-front for these services. Instead, companies could only collect payment after providing services.
FTC Proposes Rule That Would Bar Mortgage Relief Companies From Charging Up-Front Fees
some investor guy wrote:
Speaking of student loans, I was approached by an admissions director for a law school recently telling me that I could get a small yearly scholarship plus get the application fee waived. I responded as such:
The response: "Would you like fries with that?"
.
To which I responded:
Papa Haydn too.
JOSEPH HAYDN (1732 - 1809)
If Haydn had written two hundred more
Symphonies rather than one hundred four
He would have been ancient, two hundred years old
Before God had carried this sheep from the fold
But since he was led to the sheepfold of heaven
At the age that was best for him, seventy-seven,
He stars in the heavenly concert hall, known
As composer, Kapellmeister, near to the Throne
Where notes are the blooms that spring from the soil,
A garden abundant though no one must toil,
Harmonies join from the rush of the winds:
Horns of the north, the south violins
West come the rains of the woodwinds and brass
To freshen the lushness of heavenly grass,
Eastward auroras of harpsichord strings,
The stars in their choiring rise up and sing
The theater is melody, columns, a dome,
But never a wall in this musicians’ home,
The audience angels and all of the blessed
Robed in the music, in music are dressed
Pavel
April 16, 2008
sportsfan wrote:
It only takes one to knock over a chair during a take. When there's 90 of them, you can't easily point fingers.
I did say it would be an exclusive club
I think Prince and U2 are such hit machines they would have risen to the top even purely on singles. I think in the future, a guy like Springsteen will start by building up a huge local following through live shows. Eventually he would break with a single nationally. When he had enough power to go for a full album, then the miracles would begin. I think that kind of talent always rises.
On the PBS Newshour they had a segment on stand-up economist comedians who were decidedly unfunny, sadly.
The escrow officer just didn't find the divorce decree while rooting around my file but she sure did find all my various retirements accounts, large deposits, and probate recordings! If I was going FHA, I suspect the grilling would have been worse.>; )
rsj wrote:
RIF I have reread your comment and I am sorry I dont understand it.
No problem, I don't understand my comments sometimes either, I just write 'em like I hear 'em
Art Eclectic wrote:
Both are amazing. I have posted here before about the influence that Prince had on early/mid 1980s bands. One of the things that drove me out of the business was bands that came in and wanted to "sound like Prince" when they couldn't write a hit to save their lives and just wanted to be clones.
Art Eclectic
Where are the live venues for a local band to play? They don't exist anymore. The next big band will breakthru on youtube probably
ResistanceIsFeudal wrote:
for me the challenge is identifying which of the forty two voices in my head said it
That is a great uplift, Pavel!
sm:
"It only takes one to knock over a chair during a take. When there's 90 of them, you can't easily point fingers."
Reminds me of a recent performance of a Schubert symphony in HK-- when the clarinet cracked a note on a key attack our very own Edo de Waart glared and flipped him the bird. Only those sitting as I was behind the orchestra could see it, but it sent chills down my back!
sm_landlord wrote:
bands that came in and wanted to "sound like Prince" when they couldn't write a hit to save their lives and just wanted to be clones.
Evolutionarily successful survival strategies are imitated until they are no longer successful. Oftentimes this may even extinguish the original innovator.
volker the viking wrote:
for me the challenge is identifying which of the forty two voices in my head said it
Well, forty are thieves, so I think that leaves you and God
I'll take a $9k fee everyday for 2 hours of work. What a joke. Really, though, banks, buyers, sellers, and agents, if you need a negotiator, I'm your man.
I hate to be on topic but Short sales really are a pain. You just cross your fingers and hope you are eventually one of the 20% that go through.
Juvenal Delinquent wrote:
All they need is a sledge hammer and a watermelon. Then, they are funny for 15 minutes.
Pavel, that's lovely. Thank you.
1 currency now -yogi wrote:
Just like Boo Boo.
We have a local woman here who is supposed to rock at getting short sales completed. When a close friend tried to buy a SS in Feb 09, the listing agent brought her in as a specialist. I should ask if she can find the paperwork to see who paid and what was the fee.
pavel,
Only one way to know. Open up the attachment and check it out.
Comrade Kristina wrote:
CK- I lived in Maui for 10 years, and the Humpbacks singing was increrdably loud and haunting.
I spent most of the day underwater, or sliding down waves wen I was't high.
As a friend said of Little Beach : Boobs, tubes and doobs, what is there not to like?
ResistanceIsFeudal wrote:
Sad but true. And that's the second time I've said that in this thread
Deflationary Jane wrote:
It is highway robbery. Like a DUI attorney charging $9000 to cop a plea in 30 minutes. Sign me up.
Van Morrison Astral Weeks
rich wrote:
I just got a spam with the subject: "I can do for you what can not no girl."
Pathetic spam?
Only one way to know. Open up the attachment and check it out.
It sounds like she'll do things with the English language you never even knew were possible
$9,000. For no work. Let's put that in perspective. How many ounces of silver is that, rich?
sm_landlord wrote:
I had the best of intentions to study this stuff for a Ph.D. but found it far too depressing and fatalistic. I might still go back someday but I don't think I could bring myself to do it in something business-related now.
Sad but true. And that's the second time I've said that in this thread
Art Eclectic wrote:
That was what he did back then - Greetings From Ashbury Park NJ - was a commercial dud until AFTER he became better known [2-3 albums and A LOT of wild live gigs later]. Personally 'Greetings' is still my favorite of all his albums. Its the only one I ever owned.
ResistanceIsFeudal wrote:
I'm God
sm_landlord wrote:
Having been part of that conversations, I'm reminded that I should go home now to that wonderful woman, but not without a reprise for those who may not have been here:
YouTube - Prince - Little Red Corvette
volker the viking wrote:
I'm God
Yeah, aren't we all... and look where it has gotten us.
dryfly wrote:
My favorite Boss album is Steinbrenner's 3rd -- "When the Yanks Come Marching In"
volker the viking wrote:
Shouldn't Odin be your god ?
~splat
I guess I'd better go back and re-read all of your posts now...
How is it a crime for someone to get as much as they can (third party getting something from the cookie pot too)? That's capitalism in its purest form (per Adam Smith). Same thing as Chinese rickshaw dude chaining his kid to a post outside.
Kinda ugly, huh?
sporkfed wrote:
Morrison was ambivalent about it. It is kinda interesting, but the cult status is meme driven.
Badger boy wrote:
says "efficient".
Kinda ugly, huh?
Bah! You say "ugly",
nova, in Seattle some of the music schools (I'm thinking of the Seattle Drum School) but there are others, have small auditoriums around back that they rent out on the cheap. The cost basically covers the engineers who help out. The small local bands who are trying to break through can rent it out and invite their friends and families. They even offer to do a recording of the live gig. Me, I will be at a similar place on Saturday watching two bands with kids as young as 15 give it a shot.
Hey who wants another update? Whoo hoo! I now have a PDF of the short sale negotiator's agreement.
ResistanceIsFeudal wrote:
you got a mouse in your pocket?