The Housing Bubble

Just caught back up after a few days away. I saw goon called me a carpetbagger from Wyoming a few days ago…good stuff. Just had to point out that I was born in Craig :-).

China news…nothing new. Still lots of dark buildings at night and an underutilized factory during the day. Looks like they want me to stop off in Tokyo for a few days on the way home at the end of June to assist another customer. No problem, since I’m homeless at the moment anyway.

If you have to borrow for 15 or 30 years, you can’t afford it nor is it affordable.

Wow, this “children’s crusade” from Central America is a disaster. Tuberculosis, scabies, STDs, gang members, whoo-hoo, that’s some quality immigration, lemme tellya.

http://www.judicialwatch.org/blog/2014/06/influx-illegal-alien-minors-disaster-overcrowded-shelters-diseases-sexually-active-teens/

Is America Doomed to Become a Failed European-Style Welfare State?
finance.townhall.com | February 20, 2014 | Daniel J. Mitchell

More specifically, has America reached a tipping point, with too many people riding in the wagon of government dependency and too few people creating wealth and pulling the wagon in the right direction?

Is it when government spending consumes 50 percent of economic output? That would be a very bad development if the burden of government spending reached that level, but it’s not necessarily fatal. Back in the early 1990s, the public sector was that big in Canada, yet policy makers in that country were able to restrain budgetary growth and put the country on a positive path. Sweden is another nation that has turned the corner. Government spending peaked at 67 percent of GDP in the early 1990s, but is now down to 47 percent of GDP after years of free-market reforms.

Is it when a majority of households are getting government handouts? That’s also a worrisome development, especially if those folks see the state as a means of living off their fellow citizens. But taking a check from Uncle Sam doesn’t automatically mean a statist mindset.

Is it when a majority of people no longer pay income taxes, leaving a shrinking minority to bear all the burden of financing government? It’s not healthy for society when most people think government is “free,” particularly if they perceive an incentive to impose even higher burdens on those who do pay. And there’s no question that the overwhelming majority of the tax burden is borne by the top 10 percent. There’s little evidence, though, that the rest of the population thinks there’s no cost to government – perhaps because many of them pay heavy payroll taxes.

Here’s Why the Student Loan Market Is Completely Insane
Eric Chemi - June 11, 2014 - Harvard University

President Obama made news this week by expanding a student loan program to broaden the eligibility of borrowers and proposing to limit monthly payments to 10 percent of a student borrower’s income. On the margin, such moves might help. But the administration’s efforts don’t address a more fundamental problem: These loans aren’t calibrated for risk. In other words, students from Harvard and less-prestigious regional colleges are thrown in the same bucket, despite quite different risk profiles.

Under Federal Deposit Insurance Corporation (FDIC) rules governing the insurance of banks, lenders can’t differentiate among schools in assessing credit risk as they do with home buyers and car owners. As a result, “the government has made it difficult for banks to price to default rates,” says Mike Cagney, founder of Social Finance, a socially based student lending operation known informally as SoFi. “By accepting FDIC insurance, banks lose pricing flexibility and can’t charge interest rates commensurate with the quality of schools—and default rates vary widely by schools.”

SoFi has funded more than $650 million in loans to 7,000 borrowers since its founding in 2011. Says Cagney: “The definition of a predatory lender is someone who pushes loans on an individual who can’t afford to pay them back. Under that definition, many of the educational loans made today could be considered predatory.”

Despite other economic recoveries, including lower delinquency rates in every other type of loan (housing, auto, credit card), the problem in the student loan market is definitely getting worse. In the past few years, default rates have increased every single year:

More specifically, a school’s tuition doesn’t adjust for the quality of the education—as represented by graduates’ ability to pay back loans. Schools in a narrow $35,000-$45,000 range feature a wide range of default rates:

Right now the government, through such programs as Direct Loans, is happy to let students borrow tens of thousands of dollars, regardless of how likely that student can pay it back. Private lenders will offer up even more money. Students are saddled with debt they can never pay back, and the government knows this.

Interesting - nothing about housing…

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10 Reasons You’ll Never Retire
June 2014 - http://www.kiplinger.com

Retirement is the payoff at the end of a long career, the end game most workers are striving for. But these days, with corporate pensions disappearing (only 11% of Fortune 100 companies offered traditional defined-benefit plans in 2012, down from 89% in 1985) and life spans on the rise (65-year-olds in 2010 had remaining life spans of 19.1 years, nearly two years longer than folks who turned 65 in 1990), you’re likely to be on your own when it comes to building a nest egg that may have to last 30 years or more.

Will you ever save enough to retire comfortably? Many Americans aren’t so sure. In fact, 48% of workers don’t expect to retire by age 65 — up from only 33% in 2005, according to a recent CBS News poll. And 22% of Americans don’t think they’ll retire until they’re over 70.

1. You’re Not Saving in a Retirement Plan
2. You Are Neglecting the Company Match
3. You Didn’t Start Saving Early in Your Career
4. You Used Your Nest Egg as a Piggy Bank
5. You Cashed Out When Switching Jobs
6. You’re Not Saving Enough
7. You Haven’t Played Catch Up
8. You Saved for Kids’ College Instead of Your Retirement
9. You Haven’t Created a Retirement Budget
10. You Haven’t Planned to Maximize Social Security Benefits

A couple of weeks ago they release 5 terrorist leaders from Gitmo, and now Iraq is falling to the terrorists.

Howard Gold’s No-Nonsense Investing Archives
June 13, 2014, 8:27 a.m. EDT
Peter Schiff says to leave the U.S. to ‘make a fortune’
Opinion: The Fed has created bubbles, which will lead to catastrophe, he says
By Howard Gold
Euro Pacific Capital
Peter Schiff, CEO of Euro Pacific Capital

Peter Schiff has a bone to pick with MarketWatch. Or, more specifically, with me.

In two columns I wrote recently, I took the outspoken chief executive officer of Euro Pacific Capital to task for his prediction that gold would hit $5,000 an ounce. It hasn’t come anywhere near that price yet.

I also wrote that average investors who feared debt and the Federal Reserve’s extraordinary bond buying “were, to put it mildly, led astray by the hyperinflation gurus — and not just by Faber and Schiff.”

Schiff’s brother Andrew Schiff, who runs marketing and communications for Euro Pacific, objected to that, though it clearly was referring to the general public, not Euro Pacific clients.

I actually like Peter Schiff. He’s passionate about his views and puts his money where his mouth is. Unlike some pundits, he engages interviewers who don’t ask softball questions. He even occasionally admits he’s wrong.

But Schiff wanted a chance to respond, so we obliged.

“I’m not leading people astray and causing them to miss out on all these profit opportunities,” he told me in a telephone interview. “We’re finding a lot of opportunities that most people are missing.”
…

Article linked from google news

Fox News: “A Missouri slaughter house recalled 4,012 pounds of fresh beef over concerns that nervous tissue that could contain the “mad cow” disease pathogen may not have been properly removed from the meat before shipment, a federal food safety agency said.

Reviewers found the firm may not have removed dorsal root ganglia tissue from cattle aged 30 months and older, in violation of federal regulations.”

When I talk about our constitution having much more limited conception of privacy than other constitutions, what I mean is the creeping scenario where more and more offline thoughts, conversations, and actions end up online and people are essentially powerless to do anything about it. It’s not just the official government, hacking into your call records, it’s also the development of private drones and consumer products like Google glass and Go Pro cameras. Anything you say or do could be saved and used against you later, esp. edited or taken out of context.

I don’t agree with all the points this guy makes, but I think this is a useful read. (And, BTW, it’s from a very conservative author.)

———————-
“America in 2034″

http://www.amren.com/news/2014/06/america-in-2034-3/

(excerpt)

The future of censorship is not commissars and gulags, but effective monopolies like Facebook, Google, and Twitter working with groups like the Anti-Defamation League to combat “hate.” This is already underway, and conservatives will accept the efforts as expressions of private sector autonomy.

The next few decades will see the end of the division between the “online” and “offline” world. Google Glass, which will be as ubiquitous as smartphones within a few years, is only the beginning. Soon, people’s identity, opinions, relationships, and work history will be available at a glance. More importantly, as Facebook has shown, most people will gleefully abandon their privacy.

The result will be an ever more extensive (and effective) witch hunt. Already, anonymous commentators in Sweden were (illegally) exposed by hackers, and the media showed no compunction about hounding them from their jobs. Donors will also be targeted. Already, “point and stutter” seems to be the sole occupation of American journalists.

The intellectual justification is already established. Because of “white privilege,” “trigger warnings,” and political correctness, this generation of liberal arts students will be incapable of understanding, let alone championing, white identity. Universities will abandon the pretense of debating issues or teaching the high culture of the West. Instead, they will embrace their role of training increasingly unqualified college students in egalitarian ideology.

The danger is that concepts like “white privilege” have no theoretical limit in terms of justifying government action. “Your rights end where my feelings begin”–at least if the crybaby is non-white. More importantly, be it out of moral belief, fear, or both, many whites will accept and perpetuate this.

This kind of thinking will increasingly dominate law, as a non-white America will continue to implement racial socialism. Already, Supreme Court justices have attempted to throw out referendum results on issues like affirmative action on the grounds that white Americans cannot vote on issues that affect the interests of minorities.

But at least we have double the debt and double the unemployment rate and double the cost of a gallon of gas…

——————-

The magic is gone: Just as many Americans dislike Obama as do George W. Bush, poll shows
Daily Mail (UK) | 18:21 EST, 12 June 2014

President Barack Obama has ruffled so many feathers during his five and a half years in office that he is now as disliked by as many Americans as former president George W. Bush, a new poll shows.

In the latest CNN/ORC International poll, 51 percent of Americans said they viewed President Obama unfavorably. The same percentage of respondents had a negative opinion of former President Bush.

This is the first time in Obama’s presidency that a majority of Americans have given the president bad marks.

you guys need to make some friends with the people at the top that create the money.

This MSFT press release proves that the American worker (those who still have jobs in the next decades, anyway) are going to see the notion of “free time” or “family time” keep slipping away.

———-

“REDMOND, Wash. — Nov. 6, 2013 — Microsoft Corp. is declaring Nov. 7 Get It Done Day, to spark action for people who seek to balance life’s demands on their own terms. From the streets of New York to Paris, Canada to Mexico, Asia to Australia, and online at http://office.com/getitdone and #GetItDone, Microsoft is empowering people everywhere to share their story and inspire others to express how technology helps them get the things they care about — from work to home — done from anywhere.

No matter where you are — the office, airport or the gym — the need to get things done away from the office has never been greater.

As life and work blend, more than half (55 percent) of office workers* said they need to be able to get work done no matter where they are, and more than one-third (37 percent) said they do their best thinking outside the office, according to a recent study conducted online by Harris Interactive Inc. on behalf of Microsoft of 1,000 U.S. office workers. ”

http://www.microsoft.com/en-us/news/press/2013/nov13/11-06getitdone.aspx#infog

(above text is my excerpt)

http://www.cbsnews.com/news/doritos-is-giving-away-thousands-of-gold-plated-chips/

http://www.usahomeraffle.com/faq.asp?faqID=154

http://www.mining.com/web/peak-pollution-china-aims-for-the-top-so-it-can-go-down/

Another reason dogs are superior to people:http://www.dailymail.co.uk/sciencetech/article-2656101/Clever-boy-Dogs-prefer-EARN-treats-solving-problems-receiving-handouts.html

http://news.yahoo.com/china-housing-slump-sparks-fears-economy-065619966.html

http://business.iafrica.com/worldnews/944084.html

Debt is for donkeys.

From WND.com:

NEW YORK – About 200 Americans under contract with the Department of Defense at Balad Air Force Base in Iraq are trapped by the al-Qaida-inspired jihadists who have seized control of two cities and are now threatening Baghdad, according to WND sources.

The sources, private contractors who have recently returned to the U.S. from Iraq, said Friday their former colleagues effectively have been abandoned by the U.S. military and are fighting for their lives against an army of jihadists surrounding the base who belong to the Islamic State in Iraq and Syria, or ISIS.

The U.S. contractors are at Balad to help the Pentagon prepare the facilities for the delivery of the F-16 aircraft the Obama administration has agreed to provide the Iraqi government.

The surrounded Americans said they currently are under ISIS fire from small arms, AK47s, and rocket propelled grenades, or RPGs.

The contractors so far have been able to hold the base, but those on the scene reported it was only a matter of time before the ISIS terrorists succeed in breaking through the perimeter. They expressed concern that they would be ab

WND has learned from sources that the jihadists have closed down escape routes, and the U.S. Air Force is in a stand-down position. U.S. forces are not assisting even with air cover so a private extradition flight could land for a rescue, the sources said.

Privately scheduled exit flights have fallen through, sources said, as several private pilots originally scheduled to make the flights have quit.

The sources contend the U.S. military could provide the necessary air cover to protect C-130s or other air transport craft sufficient to make the evacuation, but so far officials have refused to get involved.

Balad Air Force Base has been under attack since Wednesday, when ISIS rebels seized the nearby town of Tikrit, the birthplace of Saddam Hussein.

The attacking ISIS forces approached Balad Air Force Base in trucks and called through loudspeakers for all private security forces and Iraqi special military to leave immediately or die.

Read more at http://www.wnd.com/2014/06/200-u-s-contractors-surrounded-by-jihadists-in-iraq/#7CiuiAOVQIpuhiKL.99

People wonder why there are no jobs. It’s because we were sold a bill of goods and many hacks are still pushing the nonsense.

Trickle-down economics is the greatest broken promise of our lifetime

http://worldobserveronline.com/2014/01/23/trickle-economics-greatest-broken-promise-lifetime/

……Trickle-down economics is the greatest broken promise of our lifetimeIt is not so much that the supply-side principle “if you build it, they will come” is no longer true. It is more that we appear to have passed a tipping point, where so much wealth has been concentrated at the top, they no longer need bother to “build” anything. In short, it has become more economically efficient to buy countries’ economic policy than to create value in order to sell it on. If one can control government to favour the richest, while raising barriers for new entrants, thus increasing their share of the pie exponentially, what is the incentive to grow the pie?

This applies to both companies and individuals. Small business gets clobbered by taxes and business rates, while big business turns around and says to the state: “This is how much tax I fancy paying this year, take it or leave it”. The rich no longer create jobs, through a process of consolidation, takeover and merger, they actually destroy them. Zero-hours contracts are the way of the future; in a society that is hungry, desperate and devoid of political engagement or unionism, why would anyone offer terms and conditions that give individual workers any standing?

And yet, the realisation must dawn soon – one hopes – that this model is unsustainable because its effects are uncontrollable. The more unequal we become as a society, the faster the top’s earnings diverge from the bottom’s.

NBC Paid Chelsea Clinton $600,000 Annual Salary For Occasional Work

Nepotism from one extreme to the other

by Tyler Durden | Zerohedge | June 13, 2014

Hillary Clinton may have left the White House “dead broke” in her own words over a decade ago, but the same can hardly be said about her daughter, Chelsea, who as Politico revealed today, was being paid an annual salary of $600,000 at NBC News before switching to a month-to-month contract earlier this year.

As a reminder, the younger Clinton, who previously worked as an analyst at $12 billion hedge fund Avenue Capital in a quid-pro-quo which its owner Marc Lasry, a close friend of Bill Clinton, had hoped would bring him a fast track appointment to the French ambassador position (and which was scuttled last year after several of his poker-playing acquaintances were charged in a mob gambling ring), joined NBC News as a “special correspondent” in November 2011. “She was up for renewal or non-renewal this year. Instead, the sources said, the network decided to keep her on the payroll on a month-to-month basis so that the two parties could sever ties if Clinton’s mother, Hillary, runs for president.”

So what exactly did Chelsea do to command such a hefty salary?

As special correspondent, Clinton worked on service-related feature assignments for NBC’s “Rock Center with Brian Williams” until the show’s cancellation in June 2013. Clinton has since worked on packages for NBC Nightly News.

In that time, Clinton’s principal occupation has been the Bill, Hillary and Chelsea Clinton Foundation, where she has been a major force in steering her parents’ charitable work in the final years of her mother’s tenure at the State Department, and since then. This April, she announced that she was pregnant. Clinton is due to deliver her first child in the fall, and it’s unclear if she would resume work with NBC after that.

In other words, “occasional work.”

Ironically, even as the US rages at cases of domestic investment banks abusing nepotism and hiring Chinese princelings in exchange for lucrative banking contracts, nobody finds the Clinton arrangement with what is supposed to be an objective, impartial media outlet even remotely disturbing.

Well, maybe some do:

When Clinton joined NBC, many media critics chafed at the network’s decision to employ a former first daughter with no experience in journalism. The New York Post referred to Clinton as “just another spoiled, aimless child of rich, successful parents chauffeured through adulthood by Mommy and Daddy’s connections.”

But before NBC is accused of pandering solely to democrats, recall that in 2009 NBC Universal, it hired George W. Bush’s daughter Jenna Bush Hager to serve as a correspondent on the “Today” show. In 2011, it hired Sen. John McCain’s daughter Meghan McCain as a contributor on MSNBC.

In other words, nepotism from one extreme to the other.

But the good news is that for all complaints about lack of wage inflation, it clearly does exist… for a very lucky few.
———————————————————————————

I wonder if this woman got to hear Hillary Clinton’s “dead broke” inteview before she died?

Pennsylvania mom of 7 dies in jail over unpaid school-related fines

EAG News ^ | 06/13/2014 | Ben Velderman

Posted on Friday, June 13, 2014 11:39:25 AM by Rusty0604

PHILADELPHIA – A growing number of Americans are expressing outrage that a Pennsylvania mother of seven died in jail last weekend while serving a 48-hour sentence over unpaid, school truancy-related fines.

DiNino Eileen DiNino, 55, was found dead last Saturday in her jail cell. Authorities don’t know the cause of death yet, they have ruled out suspicious behavior.

DiNino was being penalized because several of her children routinely missed school. According to the Associated Press, “She had racked up $2,000 in fines, fees and court costs since 1999…

The fines related to school truancy are quite small – perhaps $20 – but it’s the court-related costs that are most expensive, sometimes reaching $150. Such costs add up quickly and make it nigh impossible for low-income parents to pay.

In the county where DiNino lived, roughly 110 parents of truant students are jailed every year.

Americans of all political stripes are denouncing the practice and likening it to the debtor’s prisons from the nation’s Colonial days.

(Excerpt) Read more at eagnews.org …

http://www.freerepublic.com/focus/chat/3167306/posts?page=16 - 21k -

http://en.wikipedia.org/wiki/List_of_countries_by_GDP_(PPP)_per_capita

Singapore moving up fast, socialist Brazil dead in the water.

Leaked Counter Terrorism Bulletin Warns Police of Impending ‘Far-Right Violence’

Bulletin warns of those who believe in “government gun confiscation”

by Mikael Thalen | Infowars.com | June 13, 2014

A leaked New York State Counter Terrorism Bulletin provided exclusively to Infowars reveals how law enforcement are being told to prepare for increased violence from “far-right extremists.”

Published by the New York State Intelligence Center, the document, entitled “CTB 14-07: Recent Spike in Violence Targeting Law Enforcement,” details several recent shootings while warning police to be on the look out for people displaying anti-government viewpoints.

“Over the last week there have been three attacks – one in Canada and two in the United States – in which law enforcement officers were targeted, leading to the death of five officers and one civillian,” the bulletin states. “Based upon reporting it appears all the suspects in these incidents were motivated by elements of a far right anti-government ideology with a particular fixation on law enforcement.”

The bulletin mentions data from a New America Foundation study that claims 37 deaths since 9/11 were perpetrated by the “far right,” repeating the meme that those within the liberty movement are more dangerous than Al Qaeda. The bulletin also references a study by the Anti-Defamation League (ADL) that argues that far right extremists have been killing law enforcement at an “increasing rate in recent years.”

While law enforcement should always remain vigilant, the bulletin illustrates the federal government’s never ending attempt to tie anyone with basic conservative beliefs to incredibly rare events carried out by deranged and psychotic killers.

The bulletin goes on to cite a study by the Countering Terrorism Center at West Point, a think tank that labels supporters of individual freedoms as extremist, as proof of the danger New York State faces. Law enforcement are warned that New York is ranked second in the number of far-right attacks nationwide.

“Since 2011, there have been ten submission/tips to the NYSIC regarding anti-government related suspicious activity, two of which were adopted by the JTTF,” the bulletin states.

Incredibly, one of the alleged suspicious events investigated by the state’s Joint Terrorism Task Force (JTTF) was a case surrounding a citizen journalist with a degree in criminal justice. Matthew Grunert, who spoke with Infowars last month, was visited at his home by a police investigator and asked if he was a member of the “Sovereign Citizens Nation” for simply gathering content for a story outside a police building.

“My father spent twenty four years serving this country in the U.S. Army. I was raised with a healthy respect for the law that turned into fascination when I was in grade school,” Grunert told Infowars. “It is personally insulting and offensive to me that I would be associated with the Sovereign Citizen movement merely for exercising my constitutional rights. I am not a sovereign citizen; I am a citizen of the United States of America and I love my country.”

The bulletin even attempts to label those who believe the government is interested in gun confiscation as “far right” conspiracy theorists, ironically only one day after President Obama publicly endorsed the “success” of Australia’s gun confiscation program.

The recent passage of the NYSafe Act, gun control legislation that has been rejected by more than 84 percent of New York counties, is also mentioned as a likely lightning rod for “militia and sovereign citizens.”

Several groups receive special mention including the New York Mutual Assistance Group (NYMAG), Oath Keepers, and the III Percent Patriots. The bulletin incorrectly claims that the latter of the groups believes in the “need to use violence against the government” despite no indication that the group supports offensive violence.

“The recent attacks serve to highlight a trend of growing violence by far right extremists that is likely to continue in the near term,” the bulletin says in closing. “While attacks by lone offenders or small groups, common amongst far right extremists, are often difficult to detect and can occur with little or no warning, law enforcement should remain vigilant to any indicators or suspicious activity related to the persistent far right extremist threat.”

Interestingly, the aforementioned shootings, one of which the media ridiculously tied to Alex Jones, occurred only days after Attorney General Eric Holder unveiled a new Justice Department task force focused on “homegrown” terrorism.

Although the bulletin asks law enforcement to differentiate between law-abiding citizens and potential extremists, the federal government’s definition of extremism has vastly expanded in recent years.

Earlier this month, a Washington Times piece revealed a chilling Department of Defense directive that outlined instances in which President Obama believes he would be authorized to use lethal military force against Americans domestically. Similar to the bulletin, the Times article also mentions supporters of the Bundy Ranch, revealing how the President debated using military force against them.

Leaked Homeland Security documents obtained by Infowars last March revealed a joint DHS/FEMA national exercise which detailed a scenario on how the federal government would battle a group know as the “Free Americans Against Socialist Tyranny” during martial law in Alaska.

Just last year, Army troops at Mississippi’s Camp Shelby blew the whistle on a new training course that labeled the American Family Association, a mainline Christian organization, as a domestic hate group, proving the federal government’s attempt to blur the line between extremism and mainline conservative values.

Soldiers at Fort Hood received a similar warning that year when a pre-deployment discussion mentioned the “major terror threat” of Christians, anti-abortion activists and Tea Party supporters. Soldiers were threatened with disciplinary action under the Uniform Code of Military Justice if they were discovered to be supporting such groups.

A Department of Defense training manual leaked in August 2013 also warned military personnel against participation in groups that support “individual liberties,” linking the belief to extremism as well.

A Department of Homeland Security funded study published in 2012 tied Americans “suspicious of centralized federal authority” to “extreme right-wing” terrorism. The study went on to label those who are “reverent of individual liberty” as potential terrorists.

The federal government’s motive becomes even more apparent in light of a 2012 report from the Small Wars Journal featured in Forbes, which detailed “how the U.S. Military would crush a Tea Party rebellion.”

Former Homeland Security Secretary Janet Napolitano publicly gave support to a 2009 report that labeled returning military veterans as the main terror threat, a false claim that has been disseminated throughout law enforcement agencies. Agencies such as the FBI have also repeatedly characterized returning veterans as a major domestic terrorist threat as well.

A Morgan County, Indiana Police Sergeant, clearly exposed to such federal anti-veteran training, told reporters last month that his department was receiving an armored military vehicle due to the perceived threat of returning military veterans.

“The weaponry is totally different now that it was in the beginning of my career, plus, you have a lot of people who are coming out of the military that have the ability and knowledge to build IEDs and to defeat law enforcement techniques,” the Sergeant said.

Despite 2013 having the “lowest level of law enforcement fatalities in six decades” according to the National Law Enforcement Officers Memorial Fund, police are continually being trained to view every conservative American as a potential extremist cop-killer.

With government support at historic lows across the board, the attempt to target the political right by linking them to extremism is yet another example of the Obama Administration’s unrelenting political persecution.

http://www.infowars.com/…/ - 77k -

Why are disbarred attorneys so attracted to this blog?

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