I'MMA LET YOU FINISH
Morning.
Blub
Blub
Blub
Yoink!
Where are the other 54?
Hi smitty
my options are underwater
my home equity is there too
got some creative accountants
who securitized my shoes
the folks who bought the papers
tried to repossess my feet
the new world of finance
has put me on the street
From below:
Westen thinks Dems have to start playing the emotion game better!
Rudy: See Obama, Barack.
David Derbes,
I'm going to be able to give you some feedback on that material early next week.
Where are the other 54?
smitty w, nine-fingered
Stuck in traffic.
res ipsa I'm totally polluted and not fit for human company.
So I'll be staying home until Tuesday when I have to go back to work.
smitty, how's the finger?
My best friend sold her house before all this noise started. She is so relieved.
NTodd,
From below:
Yes, I whole heartedly agree with you.
They participated in a crime. They should do the time/money!
There are houses on my street that have been for sale for nearly 8 months.
Being underwater isn't torture.
{{{{{ res ipsa! }}}}}
hbk - feel better. Do you have food and such?
ql yeah.
I can always Fresh Direct if things get dire.
Fucking troll gets more action than me.
Assholes.
To be fair, your link took 4 minutes, and not everyone probably stuck around to see the thrilling conclusion.
Trolls are insta-response.
~
filk,
Todd was asking about facebook because they have a chess game you can play online.
I may add it today--to increase my time-wasting abilities, of course.
Fucking troll gets more action than me.
I started it but decided I probably wouldn't like the outcome so stopped.
filkerdom, that pirate song is the best! I loved it, and I'm sure it was even more fun with the visual.
yes, uhmericans choose almost EVERYTHING on emotion and NOT rationality
mogwai
It's not just Americans, although it does *seem* to be more prominent/acceptable in the US.
smitty, how's the finger?
qlª
I have a blue bandage on it!
I wonder what percentage of sellers are looking to move up the home market, into still bigger houses, as opposed to those selling because they have to, lost their jobs, or whatever.
since i caused the demise of the thread below:
His very perceptive conclusion is that the Goopers play the emotion game very well, while the Dems have mistakenly thought that by appealing to the rationality of voters they would succeed.
As Kansas and many other places have shown, people don't vote their self-interest, if their emotional buttons on other things have been pushed.
david brooks said this last night on teh news hour: hillary's speechifying used to be all wonk and obamania's was emotional. and i thought of it for a little bit and realized that yes, uhmericans choose almost EVERYTHING on emotion and NOT rationality
Better than donuts,
Sticky pig candy stripes.
http://www.deliciousdays.com/arc...-candy-stripes/
Candied bacon.
Then I go and bite my lip like three times in the process of eating one sandwich.
HBK,
Do you have that cold I had (for seven weeks)?
Hi, Filk. Good to see you.
From my perspective on this issue:
I think the invisible hand wants this fallout in housing in a HUGE way.
I think they are looking to scoop up the biggest part of the country in a HUGE liquidation sale. :-(
It is the way they do things. Squeeze until it bleeds, then buy the darn thing on the cheap. Sorta like business consolidations, etc.
Please don't be fooled by the talking heads. There is no help or relief coming when there are no new jobs being created for these people.
Hi, thunder, may I especially recommend the tasty titbit at WaPo masquerading as responsible analysis of the high expenses that are keeping the occupied WH from combatting pollution? I'm serious. see http://www.washingtonpost.com/
wp...8021503186.html
Obama is playing the emotional game better than Gore or Kerry did.
Dems have to start looking to FDR and Clinton as the models of how to appeal to voters.
These guys didn't use facts and figures, they used stories and anecdotes that rang true in people's hearts.
Turns out most people vote with their heart, not their head.
It's not just Americans, although it does *seem* to be more prominent/acceptable in the US.
JR,
i completely agree...after i posted it i read what i posted and thought - it ain't only us, but shit if we don't have a PhD in emotional decision-making
I started it but decided I probably wouldn't like the outcome so stopped.
qlª
It's only a training video... they put it back.
Yes, they do that.
and realized that yes, uhmericans choose almost EVERYTHING on emotion and NOT rationality
mogwai, 5th-tier | Homepage | 02.16.08 - 9:40 am | #
No.
/Eddie Bernays.
Do you have that cold I had (for seven weeks)?
RIL- I'd dare say thats a sinus infection, not a cold. Cold's last about 7-10 days normally.
I've always wondered--if you're upside down on your mortgage, how do you pay for it? I mean, I don't have $50,000 just sitting around.
Turns out most people vote with their heart, not their head.
I vote with my cock.
res ipsa if it included a horrible cough and blinding headache then yeah.
Molly -- ahhh. Actually, it leads to another problem: why I don't play online games. I know myself. Simple first-person shooters would eat my life, let alone something like City of Heroes, Guild Wars, or World of Warcraft. If I got back into chess... man, we played for hours a day. Between classes. In classes. During lunch, after school, had to call for a ride home sometimes (which my Mom did not want to give me because she didn't like the neighborhood the school was in). I breathed chess.
that's the rub: how long can a homeowner wait before dropping their asking price?
i look around my town and i couldn't afford shit now. i got soo lucky buying in 2000.
the prices will fall, just wait (if you are a buyer)
I vote with my cock.
That's why people prefer to get a nice clean paper ballot, and not touch that filthy voting machine's screen.
I vote with my cock.
NTodd, Löving Führer
Those small punch ballot holes?
but shit if we don't have a PhD in emotional decision-making
mogwai
I use my gut.
If the mere sight of a pol makes me nauseous, I don't vote for 'em.
Mr. ql has found a chess site online and frequently plays through the night.
Karin -- thanks! I'm trying to get video for it -- there are a couple of visual jokes and some shtick that didn't quite transfer to the audio.
I vote with my cock.
NTodd, Löving Führer
There is that too, but you are in a very small minority not worth appealing to.
Barndog,
I was sick so long we tried antibiotics (to no avail). I had a chest x-ray at one point, but it was (happily) negative. It just had to run its course. It sucked.
HBK,
Sorry. Don't know what to tell you other than to rest.
Sheets.
Those small punch ballot holes?
Where do you think "pregnant chads" came from?
Fresh sheets.
Where do you think "pregnant chads" came from?
NTodd, Löving Führer
When I did that they said the ballot was not marked properly....
It's only a training video... they put it back.
The poor seal... he'll be traumatized for ages.
Turns out most people vote with their heart, not their head.
I vote with my cock.
NTodd, Löving Führer
Well, that's one kind of head, I guess.
I know a guy who met his wife playing online backgammon.
I vote with my cock.
NTodd, Löving Führer
Interesting. Do you stand tippy-toe to reach the top levers?
---
I vote with my cock.
NTodd, Löving Führer
Thus the appeal of Kucinich and his Teh Hawt wife.
More than six years ago, Matthews said of Clinton, "I hate her. I hate her. All that she stands for."
tell us Chris, do you like Hillary?
but you fucking have little opinion about W - oh right, you pushed the have a beer with meme...interesting Chris...vedddy interestink!
when it was revealed that fonda caused NBC to apologize, the same story said that NBC has apologized for shit Matthews said on air in the past (i dunno what)
If you can't pay your mortgage, you should go to jail. End of discussion. You get into debts you can't pay off? Then fuck you. Society will be better off without you.
But you'll probably live a few more months as a homeless person. At least you'll get drunk a few times before dying of exposure.
you'll probably live a few more months as a homeless person. At least you'll get drunk a few times before dying of exposure.
Strange how good you are at predicting your own future.
I vote with my cock.
NTodd, Löving Führer
There is that too, but you are very small.
Rudy
Flexed Your Tarantula, RudY
See that? When you're upside-down in your house, you have lots of friends, lots of people interested in you! Pay off your house and everybody forgets you are alive! And Jesus, what about my marriage? With no house or debt payments, what the hell does my wife need with me? What, there's a shortage pf aggravation so she keeps me around to provide sufficient? My time is so over, the minute we burned that mortgage. Besides, I feel like a houseguest, I keep waiting for the real owners to show up and kick me out, and probably nick me for damages and upkeep.
Well, if the weather gets better, maybe I'll get stoned and go for a motorcycle ride. Leave no turn unstoned!! Who cares if I crash? the bike is paid for.
I've told you before: You are what you owe! And I am nobody, a zelig a nudnik a nothing! Pity me, folks, I ain't got no stimulus!
See? If I owed lots of money, people would respond to my comment.
I have got to get into debt, pronto!
To the extent that people are underwater you can understand. You're telling them to write a big check for the privilege of leaving their house behind.
A mortgage lender takes on two kinds of risk in return for a cash stream whose value is estimated to be higher than that of the cash being loaned.
The primary risk to the lender is that the resale value of the collateral (the land and buildings) will fall. The lender in effect places a bet that the resale value of the collateral will not fall below a certain implied threshold.
The secondary risk is that the cash stream associated with the loan will fail to exceed the rate of inflation over the term of the loan.
Trading risk for monetary return is a basic (one might say the basic) investment practice. In any business transaction involving acquired risk, the transaction can fail to profit the lender.
If the borrower ceases to pay, the lender gains possession of the collateral and the loan terminates. In that case it's the lender who's stuck with the lower value.
Likewise if the rate of inflation rises during the term of the loan, the lender fails to maintain the inflation-adjusted value of the money loaned to the borrower.
The borrower has agreed to pay out a lot of money for the loan, while transferring a lot of inherent risk to the lender.
In either case the risk becomes the lender's problem. If the lender's bet goes bad, so be it! That's how capitalism works.
We were lucky. We live out in the Malvern, PA (Philly suburbs) area and had our home on the market for 2 WEEKS before we signed an agreement for $10,000 more than we paid in 2005.
Believe me we feel exteemely fortunate...in the end it really came down to the condition of our home and the location.
Once those things are in place I think you should at least break even on any home sale. As long as you didnt overpay in the house buying mania between 2002-2005
Those who are not lowering their prices enough are listening to Bush and his puppies. Bush/puppy refusal to admit that there is a recession, that the air has gone out of the economic balloon, and pretending that interest rate cuts will solve the problem mean that people who believe them should not lower their prices. Rational actors will lower prices if they believe that prices will be falling more in the future. (Of course, are they rational for believing anything Bush and his puppies tell them?)
MacMan
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