The banksters rub their hands and whisper in their best Burn;s voice, "exxxxcellennnt!"

I suggest another possible motivation. Getting un-stucco. We might be seeing a balance sheet clean=up in anticipation of the long predicted high cost state exodus. Upside down housing has proven to be a hinderance to one of America's strengths, mobility. If the middle class can get unstuck one positive outcome will be jobs growth. Brace yourselves Texas you are about to get Californicated.

CR,
I'd like to thank you for all you do but specifically for the recent glimmers of good news. The comments have gotten a bit extreme and it is important the remember to not drink either the hemlock or the kool-aid.

A glimpse into the not-so-distant future of the United States of America.

The consequences are bound to be noticed by every citizen. A third of the city's streetlights have been turned off. Museums, recreation centers, parks and libraries are either cutting hours or closing. Watering city-owned lawns has been eliminated, and residents are being asked to help mow city grass. The home page on the city's web site advises parks users to remove their own trash from neighborhood parks and trails, because city trash collection there has been eliminated.

That's not to mention the "dozens" of police and firefighting jobs being eliminated, and the police helicopters being sold.

Colorado Springs shows what cuts can (and can't) do | StarTribune.com

we need a man of action:

Robert Reich (Conan O’Brien and Robert Reich)

piqued wrote:

Which demographic will move, the frugal, or the spendthrifts?

If you can forgive the implicit arrogance; we frugal Californians don't need to move. That means you'll get those who are busted from the dream. That won't be all spendthrifts and I suspect even those will be changed by the experience. Without the attitude they'll probably adopt local custom rather than impose.

That said even the vested Californians might be forced to leave if voting with our feet is the only democracy still left once the realities of fiscal reform become necessary. There's a nice little 203 acres in Wilmington, MA for a nice price that might do. That tells you something, moving to MA to avoid the high taxes of CA.

Morning Doomers Perhaps people are doing more "cash in" because they feel sorry for the and want them to have bigger bonuses next year?

perhaps it is too early for me to figure out how this is good news?

That MEW was 3% of GDP when it was rocking and rolling. It has gone away. Negative, in fact.

How will we respond to consumer spending being 67% of GDP. Or 65%?

You gotta be kidding me.
Most TARP programs are unconstitutional.
The Congress didn't debate a bill that gave Treasury "broad authority".
They debated and passed a bill that gave Treasury authority to pass "toxic assets".
Congress was specifically talking about the toxic assets Paulson asked authority to purchase (illiquid assets clogging up bank balance sheets); things like MBS.

We should all be eager to put this before a judge.

LoserBeachBum wrote:

Californians in Texas...well, you just picked up the 2nd worst mix, the worst one would have from Detroit!

San Franciscans in Wichita.

YSLP can we ixne that kind of talk until my mod is final? I want my freaking

That is why I left Calirado some time ago.

I think HAMP might be Constitutional... I'm not exactly sure. It's at least constitutional "in siprit".

The problem I have is that it seems I'm the only person looking to put this in front of a judge?

Comrade Kristina wrote:

I want my freaking

The banksters rub their hands and whisper in their best Montgomery Burns voice, "exxxxcellennnt!"

You knoe CK the more I look at your deal the more I think the bank is getting paid twice. I bet their "losses" are getting HAMPed and your forgiveness is after 5 years of collecting enough to cover it.

Rob Dog,
Check out the April 2009 SIGTARP report. Barofsky goes through an example of HAMP. Indeed I believe you are correct.

RD, I figured out last night that so far I have paid 38K in interest in the first three years of the original mortgage. My principle barely moved in those years. Now it has actually been bumped up because of the requisite "missed payment" to get in the program and the escrow fees. I also got screwed out of claiming the last six months of interest payments on my taxes because they haven't been credited to my account yet. I wonder if I will be able to claim them next year? How does that work? I'm not sure about getting paid twice but the interest deduction is a pretty big hit. Of course at the insane interest I was being charged they were guaranteed to end up with a default eventually.

YLSP wrote:

Most TARP programs are unconstitutional.

As people have pointed out, the courts have created a real problem with standing. It can be very difficult to challenge the constitutionality of both laws and of Executive flouting of laws. We probably need a Constitutional amendment.

Because you got a record bonus yet again?

Is there a gun rack option for the Prius?

Rob Dawg wrote:

and it is important the remember to not drink either the hemlock or the kool-aid

The Battle of Wits

Comrade Kristina wrote:

At least four other posters said their HAMP was finalized last week as well.

Hey CK, did that finally get done in a viable manner? Been busy ITRW...

energyecon wrote:

Rob Dawg wrote:
and it is important the remember to not drink either the hemlock or the kool-aid
The Battle of Wits

A land war in Asia was the topic in the late night thread. So tell us, how do you remain so modest in light of the energy calls you've made? There's another green shoot. The double dip will be greatly softened by weak pricing that more accurately reflects conditions and not trading forces. Do you hold any hope that trading manipulations will revert to being less important?

energyecon, it still have to sign it and return it but they offered me a sweetheart deal for no apparent reason. A dream deal really. My original payment is 1124.00 and doesn't include taxes or insurance. So say, 1400.00 per month. The new payment with t and i for the first five years is 769.00 per month and the interest is at 2%. It's crazy really...Liz says it is real and that she just closed one that had the same terms mine does.

they'd require teaching high school students

---That's seriously going to cut into D.A.R.E. and pep-rally time.
No can do, amigo.

Charles, the original mortgage was done under considerable duress. I shouldn't have been ALLOWED to sign a mortgage in the condition I was in at that time. Long story, but mortgage is a result of the death of my Mother and decision making wasn't something I really should have been doing at the time. Alas I was the only child and had no choice but to make the decisions. I had also been her 24/7 caregiver for 14 months prior to her death. There was a lawsuit in the middle of all that that dragged on for years as well..Let us just say I was an emotional wreck.

Public education will never teach where the cost are in a mortgage. That would not be profitable for those who need to bleed the public. Part of the public programing, they want you to think your smart but not to smart.

Charles Kiting wrote:

Comrade Kristina wrote:
I figured out last night that so far I have paid 38K in interest

And likely deducted it from earning to calculate taxes owed. Taxpayer subsidy. No offense to those who legally take advantage of the tax deduction on interest paid, but this is one deduction that just has to go.

LBD your comment reminded me of my hs economics class. I distinctly remember them teaching us how to "invest" in the stock market but I have no recall at all about any mortgage instructions. I graduated in 1984 (for time period reference).

So, we have to ongoing developments
1) Cash-In refis growing in popularity 
2) Paying Credit Cards before Mortgage  

Looks like two diverging trends in the society:
1) Those who can afford it, are putting more money in their mortgages to reduce the leverage and the cost of mortgage
2) Those who cannot afford it, are giving up on mortgage payments and only paying min dues on their credit cards

We might end up with two large and distinct segments of the society:
1) Debt-free and debt-averse (I assume most of them have steady jobs)
2) Chronically dependent on debt even for basic needs (I assume most of them are long-term unemployed)

It will be weird economy and weird politics, which, given the job market outlook, will continue for a while

Better idea is to pay down the principle faster, have the stability of no debt and free up cash flow

Perhaps. But i don't plan on moving any time soon. And i have rental income that covers my mortgage, taxes and insurance so cash flow isn't an issue. I'm more than happy to let the bank take the risk on inflation. If there is inflation, I win.

If there is deflation, my cash wins.

But even in a normal mortgage where you are paying out cash every month, wouldn't you enjoy paying your 5% fixed if rates were 15%.

MrM wrote:

one

Not sure about one keystroke

josap<

Seems like you are talking about educating our young citizens in our propaganda centers which masquerade as schools.

Comrade Kristina -- Congratulations on the new mortgage. 2%! Glad to read something good came out of all your hard work.

I'm going to alert my friends here who have had a parallel knock-down drag-out "negotiation" with The Nebulosity. Maybe there are additional ponies queued up and waiting to bring skittles to all.

Comrade Kristina wrote:

The new payment with t and i for the first five years is 769.00 per month and the interest is at 2%. It's crazy really...Liz says it is real and that she just closed one that had the same terms mine does.

That's a great deal if there is no penalty for early payment of additional principal.

I shouldn't have been ALLOWED to sign

---Be very careful on that slippery slope, CK.

MrM wrote:

g wrote:
It Is Now Mathematically Impossible To Pay Off The U.S. National Debt

"But now the debts, even at historically low rates of interest, are becoming unpayable because they have become too large and because tax receipts are crumbling as the economies crumble. Well, the elites have a solution - they call it austerity, meaning the populace gets nothing for their taxes and the elites get it all. Of course Usacos and Canadians are too dumbed down to understand this, but Europeans, with the probable exception of the UK, are more sophisticated and have not let the elites totally take over all mass modes of influence. So we are heading to a Mexican stand-off. (Which, for you Europeans and Africans, is when two gamblers are holding their revolvers, hammers cocked and finger on the trigger, into each others bellies under the card table.)

Of course there will be a bail out, the only question is whether it will be by the EU itself or the IMF."
-Mr G

NervousRex, thanks. It will go up after the first five years at a rate of 1% per year until it finally caps at 5.25% for the remainder of the loan. It does not increase the length of the loan, it is over the course of the remaining 27 years. I am hearing more and more of these deals going through in the past week. Something has changed that has them handing out mods and loans like confetti. I had a patron tell me he closed on a HELOC last week for 20K.

For 3 generations people were taught that debt is a good thing.

You needed credit cards to show you were credit worthy.
You needed a student loan to get a really good education.
You needed a car loan (on a new car) to have reliable transportation.
You needed a mortgage to prove you were a stable adult.
You needed investment property to move up the wealth ladder.
Other peoples money was the money you spent. (While other people spent your money.)
Your home was your savings. Your credit cards were your emergency money. And no matter what you wanted - You Deserved To Have It and Have It Now.
You would always earn more next year.
Inflation would help pay your debts.

This message came from everywhere, TV, banks, classmates, neighbors, gov, MSM.

piqued wrote:

And likely deducted it from earning to calculate taxes owed. Taxpayer subsidy.

Why is it when a business pays interest, it is a legitimate expense and reduces earnings, whereas when a household does it is a "taxpayer subsidy"?

I'd like to find the people poisoning minds that this is some sort of subsidy and

HomeGnome wrote:

propaganda centers which masquerade as schools.

That is why it will never happen.

Did you have a look at Form L?

Doing your own taxes sucks this year... Form E, Form L, Form M.... I wish I had Form O to add.

Don't forget Form F.U.!

"What nonsense! Ben can do it in one keystroke. "

Yeah, Germans did it too! Was it back in 1928 or something. And put one fine and upstanding corporal with 5 years of war experience to lead the nation to glory...except he turned out to be not so fine and upstanding and so on...put he did get rid off the debt, didn't he.

Rob Dawg wrote:

San Franciscans in Wichita.

San Frawiccans?

San Wiccans?

LAGOS — Nigerian militants calling themselves the Joint Revolutionary Council (JRC) said Sunday they had attacked a major Shell oil pipeline in the volatile Niger Delta, in a statement obtained by AFP. The group said the overnight attack "successfully disabled the trunk line belonging to Shell in the swamp of "Obunoma" in the oil-rich Rivers State.

swamp of "Obunoma" has some interesting connotations

Comrade Kristina wrote:

I just believed whatever they told me

"It's somebody else's fault". C'mon. You're smarter than that. Everyone needs to start acting like they're grown-ups.

josap wrote:

Just the basics so kids know how much trouble they can get into if they listen to the adults trying to scam them.

They do teach the basics now, at least the math. The problem is there is no practical application. I remember the examples in school - the mortgage was always "10 years" to make the problem shorter. But of course it isn't the real world people are living in so we teach them real math and a false reality.

They should be taught the math of student loans, too. Then look up want ads and see the salary of the jobs in a chosen major and see how long they're going to be debt slaves. My father showed me how to do that stuff in junior high, at the time I thought it was what every kid's parents did - boring as hell but damned important especially considering that few parents actually do it.

Regardless, the article lost me in the first paragraph. "Debt is greater than dollars in circulation" as evidence that it's mathematically impossible? Sounds out-to-lunch.

Time for a school wide pep-rally; right after your choice of D.A.R.E. or Abstinence classes!

Do I get 2% on my mortgage because I DID understand what I was signing?

12th Percentile wrote:

I'm using my mortgage as a hedge against inflation.

A mortgage is not an investment. Unless you're the lender

HG, I am getting the mod because of hardship. My income has been slashed by 35% or more and hubby has only been able to work 9 months per year for the past two years. This year doesn't even look that promising so we are looking at a reduction in income of at least 50%.

MrM wrote:

tg wrote:

It Is Now Mathematically Impossible To Pay Off The U.S. National Debt

What nonsense!

Agreed. That article was not very good. It didn't show any of its work and ended up being another lecture on fractional reserve banking.

when my girlfriend was starting to look at RE last spring and asked for advice, I told to first eliminate all her debt. Instead she kept saving so she'd have more money for a bigger house. Months later she calls me and we talk about the bank bailouts. My advice was move as much of her personal income stream from the 19 as possible. So she paid off her car loan completely, paid down the CCs so much as she could but still kept her 5% down payment ready, and moved her accounts to a credit union. We did the math and just those changes saved her $452 in interest payments a month (her chase card was raping her at 29%, car loan 9%). I just don't know why the hell she didn't do it sooner.

JP wrote:

Regardless, the article lost me in the first paragraph. "Debt is greater than dollars in circulation" as evidence that it's mathematically impossible? Sounds out-to-lunch.

Excellent analysis of the article. Let's do a simple exercise: There's 100 of us in a closed community and exactly $10 of CC money. I've got $1 and I loan it to A with 4% interest. A loans to B that $1 with 4.25% interest. Repeat 10x. Tell me, how much money have we got in our community and how much credit. We have/had a $14T economy that operated on ca. $800B in money. Base money doubled in the last couple years.

Comrade Kristina wrote:

they offered me a sweetheart deal for no apparent reason

They offered you a "sweetheart deal" in order to cover up the crimes they committed against you. I think the only fair deal is to cancel your fraudulent mortgage and send the clown who sold it to you to a couple of years of prison time.

I suspect but can not prove that you received the mortgage you did because your husband is black.

White = prime = 6%
Black or Latino = sub-prime = 10%

This is criminal due to CRA and should be prosecuted. If government is going to look the other way as bankers rob people, we need a new government.

Just because this is too damn funny not to mention but...Did anyone catch Palins performance last night? She got caught using a "cheat sheet" written on her hand. I noticed something funny but they have now gone back over the video and actually have pictures of her cheat sheet...Good grief....She needed notes for that performance?

Comrade Kristina wrote:

My original mortgage was shady in many ways now that I go back and remember it.

Yeah, it was a 30-year term, that's the rip-off right there.

Rajesh<

I think CK mentioned that her husband wasn't on the original mortgage nor her mod.

I think someone is blinking too or the actions of the noteholder on my S/S make zero sense.

MrM wrote:

Geithner Says U.S. Will ‘Never’ Lose Its Aaa Debt Rating - BusinessWeek

Now, i'm really worried.

Rajesh wrote:

White = prime = 6% Black or Latino = sub-prime = 10%

That's makes just as much sense as saying blacks & latinos make up a disproportionate number of prison inmates because they're black.

I have a patron that closed on a 20K HELOC last week as well DJ...Like someone turned on a faucet...

a mortgage is not an investment

Really?

OT - More on Eurozone from Simon Johnson(ex-IMF)

"
The IMF cannot help in any meaningful way. And the stronger EU countries are not willing to help – in part because they want to be tough, but also because they do not have effective mechanisms for providing assistance-with-strings. Unconditional bailouts are simple – just send a check. Structuring a rescue package that will garner support among the German electorate – whose current and future taxes will be on the line – is considerably more complicated.

The financial markets know all this and last week sharpened their swords. As we move into this week, expect more selling pressure across a wide range of European assets.

As this pressure mounts, we’ll see cracks appear also in the private sector. Significant banks and large hedge funds have been selling insurance against default by European sovereigns. As countries lose creditworthiness – and, under sufficient pressure, very few government credit ratings will hold up – these financial institutions will need to come up with cash to post increasing amounts of collateral against their derivative obligations (yes, the same credit default swaps that triggered the collapse last time).
"
Europe Risks Another Global Depression « The Baseline Scenario

REBear wrote:

Now, i'm really worried.

Yes that has the three promises kind of feel

Rob Dawg wrote:

But then neither have stocks, assets, commodities, etc for quite some time.

At this point, JOB SKILLS aren't even marketable for 30 years anymore.

bearly wrote:

blacks & latinos make up a disproportionate number of prison

HUD did a survey where they had people pretend to be home buyers. Same data on mortgage application but in some cases the couple was white in some cases they were black or Latino. White couple where overwhelming given prime mortgages while minority couples where mostly given sub-prime mortgages. Same income, same FICO. This was done under the Bush administration to try to prove that mortgage regulation wasn't necessary, but proved embarrassing.

I've spent my life in New York City and State and am satisfied with our high taxes. Lower them and we'd get even more crowded. But it's not State loyalty that keeps me here: I'm lucky that my various careers have not involved serving a multinational corporation. That's where loyalties lie, where the job is. There is some efficiency that gets passed along to the consumer, but labor suffers from "mobility". Most workers are not in the NFL. They can't afford the American School in Bhopal and local live-in domestics.

This is worse then the Pres. using telepromt. at an elementary school?

Which one?

Shrub or Obummer?

HomeGnome wrote:

I assure you American Fascism will become increasingly harsher.

Is that this weeks talking point from the ?

We have our eye on you too, RATM.

Just saw a TV ad for Visa, lauding itself for bringing "digital currency" to NYC cab drivers (the most hazardous occupation historically, by a long shot). "The currency of progress."
I hope I didn't give them the idea for the ad.

F#$cking profit-seeking monopolist assholes.

Long live the open source digital currency!

Comrade Kristina wrote:

but they offered me a sweetheart deal for no apparent reason.

You cost them a bunch of bad publicity iirc. At least that's one theory.

LoserBeachBum wrote:

American fascism might not be so harsh but still equally effective.

Ah, relativism. One might be able to make a case that Zyklon B is more humane than the torture of prison rape.

I like the Wells Fargo approach to dealing with mortgage work-outs because competent lenders, like Wells, are allowed to buy mortgage portfolios of the incompetent & failed banks, like Wachovia, at a significant discount and then they determine the best way to deal with each loan on a case by case basis. This is far, far better than any government crafted mortgage mod programs like HAMP and other bank bail-out programs that are designed to allow the incompetent to succeed.

Paulson and Greenspan

---Two more traitors ready for trial.

Greenspan: "home prices bottoming out."

Mr. Ridgeback goes to Washington wrote:

Greenspan: "home prices bottoming out."

Are they doing reruns of Sunday morning talk shows? I hate that. Give me FRESH lies.

Comrade Kristina wrote:

Get back to me when you have and can understand the thought process' at work there.

You're kinder than I CK, my suggestion would involve extracting his craniorectal impaction...

Where your life's work exists as 1s and 0s on a hard drive, somewhere ™

Um, do you think your life's work exists in paper dollars? There is a 12 thousand billion dollar hole. That's just the government. The private enterprise sector owes many times more.

No, it doesn't net out. Sorry.

The open source currency tracks serial numbers and shares the data among anyone in the world with internet access. Or, you can trust the Fed to print a valuable note.

Geithner Says U.S. Will ‘Never’ Lose Its Aaa Debt Rating - BusinessWeek

Quick question: US Debt is denominated in dollars. The US government can legally create as many dollars as they want. Ergo, you will get your dollars back.

AAA only says you get your dollars back. It doesn't guarantee they will buy anything.

Saints 38 Colts 35.

AAA only says you get your dollars back. It doesn't guarantee they will buy anything.

Long live the open source digital currency. No central bank can be trusted. Power corrupts.

HomeGnome wrote:

Saints 38 Colts 35.

Is there a game today?

"Geithner Says U.S. Will ‘Never’ Lose Its Aaa Debt Rating"

American and British companies giving those ratings...have already been ordered to "maintain" it? Or face "extra" special tax review/inspection....

LoserBeachBum wrote:

American and British

Fitch is French owned.

1 currency now -yogi wrote:
The open source currency tracks serial numbers and shares the data among anyone in the world with internet access.

The digital currency scares the hell out of law enforcement, between terrorist financing and money laundering concerns, not to mention the IRS

HomeGnome wrote:

---Probably 3 billion people in the world, yogi.

I did not know poverty was so widespread. (/ducks)

I read somewhere that half the people in the world had never
made a phone call.

Kewl.

Don't drink the hemlock.

lawyerliz wrote:

I read somewhere that half the people in the world had never
made a phone call.

World bank estimates that two billion people live on less than two dollars a day.

HomeGnome wrote:

Enron was "AAA" until a week? before it wasn't...

So? The article said never. jeez.

I, too, love the Ministry of Truth.

Yes, that's because it WAS yesterday.

So hackers are the new counterfeiters?

Hackers are also the old counterfeiters.

Take your pick: trust Bernanke or trust PayPal, Amazon, Linux, Mozilla, facebook, Pokerstars, ...

Tip: CR takes PayPal. Sure, PayPal uses dollars, for now, but they don't have to. The system works for any denomination, because of its binary code.

Reposting:
Link to .torrent which will download .mp3 of AIG Bailout Hearings from last week

I expect tommorrow I'll have the files from Volker hearing last week as well as the day after hearing from those in the industry.

I was abducted by aliens for a few hours...

Juvenal Delinquent wrote:

I was abducted by aliens for a few hours.

And you didn't ask to stay?

I was abducted by aliens for a few hours...

When? What happened?

pavel.chichikov wrote:

Tomorrow is the beginning of the work week. DC has about 18 hours to get it together.

Oh, Pavel. I've been looking at images and video. Good luck.

Oh look! Canada has a baby Bernie!

CBC News - Money - Earl Jones victims apply to sue Royal Bank

I just assisted a couple

--So you did their loan for FREE?

At least they now have skin in the game even if they had to fleece the parents to do it.

nowhereman wrote:

are now considered to be less than capable, for doing nothing more than what they were expected to do.

That as well comes from TPTB.
Bankers got rich, scamers got rich. The rest of were just too dumb to get it right. They were't the ones setting econ policy, what losers. Sorry all our fault, must be punished, must make sure the winners keep on winning.

Collective koolaid drinking leads to individual poisonings.

Oh, the whore able things they did to me

can I haz a scoop of :double-dip: icon pleas?

Too much negativity and helplessness in here this morning. You guys need to remember the ultimate power over any society lies with the people, regardless of who holds the guns and what props of authoritarianism are menaced above you.

yogi<

What about HALF THE FREAKING WORLD who don't have internet access?

daviddecarlo wrote:

They eliminated a 2nd and paid down the 1st to get to 80%.

What was the change in home valuation from the time the initial mortgage was done? ie, did the couple see/understand the magnitude of the loss?

The reason I ask: There are areas (esp east coast) that are so frozen that price discovery has still not occurred, so the appraisal might still be quite high as far as the bank is concerned. (And if so, the bank just offloaded the first 20% of the decline-to-come.)

Hoopajoops LTD wrote:

You guys need to remember the ultimate power over any society lies with the people, regardless of who holds the guns and what props of authoritarianism are menaced above you.

Yep, they can't throw all of us in jail. But they can starve our children.

$50 million will buy you lots of poutine and pemmican up over in the Gulag Hockepelago...

HomeGnome wrote:

What about HALF THE FREAKING WORLD who don't have internet access?

There's an App for that.

So, we just leave half the world out of your digital currency plan, then?

Why on Earth? Even Bill Gates has enough of a conscience to get <$100 laptops out to the other half. Still getting cheaper. You only write code once, if you share it.

Your $50 phone can scan barcodes. 1 cent per minute phone calls anywhere in the world is coming soon. Paper burns. Numbers are unique and eternal.

DNA is binary code.

Hoopajoops LTD wrote:

North Korea, Burma, and China are not sustainable

I have to ask, By whos standards are they not sustainable? Ours or theirs and whos standards count more, ours or the people who govern and live there?

Or, imposing tariffs.

I'm still feeling Smoot Hawleyish.

Most Americans are not smart enough to be mad.

1 currency now -yogi wrote:

DNA is binary code.

Base 4.

Rajesh wrote:

Don't mess with the American people: we have guns, we have lawyers, and we are crazy enough to use them.

That is a fact, one doesn't get yet.
Americans will buckle down, do without, make do - but there is a limit.

We're also lazy. We could use the guns, but we could also just pay taxes to the MIC to fund proxy wars so we can just sit at home and talk about doing stuff on the internet.

Welcome David.

Throw down your CAP-guns, we've got you surrounded.

Juvenal Delinquent wrote:

We are throwing a shindig here and it's got some heft to it. Hamburgers from the cow next door and a surfeit of scrumptious beverages, leading into supreme gridirony~

JD, I'll be a little late. But, rest assured, the nacho cheese from my cheese bridge will be delicious. Forgive me if I am a bit drunk upon arrival. I'm just finishing a batch of moonshine which requires taste testing.

...rest assured i'll leave a ticket for you @ will-call.

Elvis<

You remind me of a Girl from Olympia.

MaryAnn wrote:

Anything for that late payment fee.

About twice a year I don't get my CC statement. (I do pay it in full each month) Then I have to call and use the phone system to pay the bill, which costs me an extra $10.00. More if you talk to a real person. And you can not pay the $10.00 during the call. That is your next billing cycle and is a cash advance.

Enjoy the Game,all.I will be spending the day with a giggle of girls (8 years old) and am off to fuel up on home made corned beef hash and eggs first at "The Farmhouse" where the obese get their grease,and some skinny folks do too.

Hoopajoops LTD wrote:

I played D&D with last night.

A little advice: I wouldn't mention that you play that on your resume or at your job interviews.

Hubby and I are off to Wally World to pick up some last minute things for the game today. I loathe Walmart but he needs some stuff we can't get at the grocery store so I guess I'm going. This happens about once every two years...GRRRRR I should take the digitial cam with me to see if I see any contestants for the Walmart shoppers site....

Our office has credit card that we pay off each month. Had always been notified by e-mail until last fall.

American Express did the same thing to me. They'd mail the statements so that they would show up one or two days before the payment due date. Only way to get it in before the due date was to track your expenses and pre-pay or do it online.

I wouldn't mention that you play D&D on your resume or at your job interviews.

Find me a better way for 5 unemployed friends to have more fun for less money!

You'd be surprised by how many state workers and military folks play D&D.

Find me a better way for 5 unemployed friends to have more fun for less money!

---Family blog!

not writing, administration though you will get an all paid education in how to do it in the process. For some reason I thought you lived near me in NoCa so send me a email and I'll hook you up with the posting. It's a long shot but the brightside is you'd get to tell faculty that they are required by law to follow regulations and policy - it's fun watching them gasp for air like dying fish when you do that >; )

Comrade Kristina wrote:

I loathe Walmart but he needs some stuff we can't get at the grocery store so I guess I'm going. This happens about once every two years...GRRRRR I should take the digitial cam with me to see if I see any contestants for the Walmart shoppers site....

Will you please take a picture of the people waiting in line at the deli counter for fried chicken for me?

My cc call center is in India, I tell them I'm old, can't hear well and they have to tell me if they are a male or female. My daughter thinks I'm crazy, but its not her money yet and its a teaching tool for her that she hasn't figured out yet.

Hoopajoops LTD wrote:

Find me a better way for 5 unemployed friends to have more fun for less money!

If they are all men, you could become a switch hitter. Or, you can vandalize foreclosed homes while taking videos and post them on YouTube.

ooh ungowa
remember when
newspapers had power?

No surprise here as that sounds like 65% of my friends though most have moved to online gaming which is great as friends relocate. Another 25% have fun hitting each other with sticks. I know crazy but it's free.

Weekly Summary and a Look Ahead

exactly...

lawyerliz wrote:

I said, don't be silly, your accent is clearly from India.

I think all the cc people should be required by law to speak like Yoda. Then when asked, they can say they are from a galaxy far, far away. "From a galaxy far, far away, I am."

Pure genuis.

Isn't that all you want to hear?

I'd love to hear more about your perfect plan that leaves half the world out of it but I am late for my union meeting.

No, I'd like to hear more about how rotten the Fed is without any constructive criticism. Maybe you'd prefer gold coins? They don't trump lead. So if you stay at home you can count them. Better have a lot of lead.

Maybe we should give half the world dollars instead of internet access. They can trust us to print valuable dollars, right?

rofl some day I will make it to pensic, but I've been saying that for 30 years (i started really young).

you know, someone smart could modify call of cthulhu to modern day bankerism (or even steam punk monopolists) because the result is the same: once you understand the plot, you need to roll to save your sanity >; )

slumdog,

No one wants to see someone lose a home in any natural disaster..but they did know where they were buying.....

S. Californians overreact in regards to rain 90% of time...

born and raised in long beach....know it well....100's of friends down there....

its all drama down there...I call it rain dancing with stars.....

I went hiking in the rain and took some great pictures of a bobcat, coyotes, deers, quail etc....

we need as much as possible.....

Hoopajoops LTD wrote:

he's one of the unemployed folks I played D&D with last night

paper & pencil and rolling d20's old skool? ah, the good old daze lol

probably late on this but i'm not sure that i agree with this rationale... 2) with interest rates so low on money market funds and CDs, paying down the mortgage offers a higher return.

if you're in the housing has more to drop camp, then putting your money into a depreciating asset is not a better investment than making 0-2% return in money markets or CDs. without PMI and getting a better refi deal, those seem more reasonable, but again it depends how much cash someone would have to put in.

energyecon wrote:

Rob Dawg wrote:
Base 4
Quaternary?
(a geology joke, I know if you have to explain it...)

Repent sinner, see the era of your ways for what comes is epoch.