Bits Bucket for December 24, 2015
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The Housing Bubble
Examining the home price boom and its effect on owners, lenders, regulators, realtors and the economy as a whole.
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Jesus never signed a 30 year mortgage
And neither should you
Don’t do it!
He never bought a house. Don’t distort the facts! He lived mortgage free in the House of God!
There’s no eternal salvation for loanowners
Buy overpriced housing today and you’re in the fast lane to Hell
“There’s no eternal salvation for loanowners.”
Salvation is reserved for the lenders, for cheerfully carrying out God’s plan.
“He lived mortgage free in the House of God!”
Jesus was “Then Came Bronson” without the motorcycle.
I loved that show.
Claims by WPA that Mary and Joseph traveled to Bethlehem to sign up for Obamacare prior to the birth of their son have been thoroughly debunked.
Haha, that’s funny and in the Spirit of Christmas maybe we should all come up with a list of Christmas gifts to give other posters. Here I’ll go first:
I want a wall (pair for by taxing heavily trade with and remittances to Mexico).
What shall I get for Lola, or Oddfellow or WPA?
I’ll be giving a week’s worth of ski p0rn to the HBB, including but not limited to Loveland, Powderhorn, Durango, Crested Butte, Monarch and Wolf Creek
People with mortgages can’t do that
Lola gets a new thong, Oddy gets a spittoon, and WPA some “that”s disgusting” Christmas toilet paper.
Jesus lived rent free in the house his daddy, Joseph the carpenter, built.
In the basement? Is that the model HA follows? HA!
In your head, rent-free.
Jeebuz never signed a stinking “social contract” either.
Jesus had love in his heart. Miserly hoarding without those who love you will never pay for decent care in your dottage. It’s not too late.
Jesus wanted the poor to starve.
He certainly didn’t want to sentence them to multigenerational poverty by stealing their work ethic and destroying their families.
And he wanted them to be armed.
Jesus never signed a 30 year mortgage
How about we give blasphemy a rest today?
OK Superstar!
Sacramento Sierra Foothills report:
Yesterday, I noted Zillow lowered my Zestimate about 10% in 2015. WPA recommended I try Redfin as a more reliable indicator! So I signed up for Redfin and plugged in my address. The Redfin value is down 18% off the peak Zeatimate (which occurred in summer 2015).
It is the slow season, so we will see what happens after SuperBowl 50 (I guess the NFL is not using Roman numeral “L”?). It’s going to be in Nor Cal, so maybe we will get an extra SuperBowl bump!
the sacramento market is dead.
Sounds like the Sacramento version of the Echo Bubble is seriously leaking air.
Anything decent in a good neighborhood is 350-400k.
Good luck making it 30 years on that.
“the sacramento market is dead.”
Nobody human lives in Sacramento anymore; now it’s Shingle Springs, Folsom, Granite Bay, Roseville, etc., or Davis traveling west.
Actually, the market is pretty strong. Inventory is low (down 20% from last year) and sales are up (about 12% over last year).
The problem we have is the low inventory means demand exceeds the supply, mostly in the middle price range. It is the upper range that has stalled w more inventory than buyers.
Are you sure?
Sacramento, CA Housing Prices Crater 6% YoY
http://www.zillow.com/east-sacramento-sacramento-ca/home-values/
So much for becoming a zillionaire.
Ahahahaha go to all that trouble to sign up and then find your crapshack is worth even less. Ahahahhahhaa, you got schlonged.
You are so wrong. Equity up $185,000 in the last 5 years. You got schlonged just holding it in your hand.
….. and not a buyer in sight at a small fraction of the amount you’ve got in that shanty.
Remember….. ‘equity’ is a fallacy. It doesn’t exist.
You don’t have to sign up to get the Redfin estimate. At least I never did.
Zillow says I bought my house at 37% off peak (May 2006). House has since appreciated to 26% off peak. Redfin’s estimate is 19% off peak.
And not a buyer in sight for a fraction of the amount you paid.
Sorry Donk.
“he Redfin value is down 18% off the peak ”
Lever up, bruh!
Even at the Redfin value, my equity is 35%, a $200,000 return on a $15,000 investment 5 years ago.
Buying at the bottom, below reproduction cost with an FHA loan is a great deal!
RedFraud…. Jingle_Fraud. It’s all good.
I noticed Fresno is on a downturn as well. My part of Orange County is still going up. Time to buy and lose money.
I imagine there are many more high paying jobs in Orange County than there are in Fresno.
Yeah, right. Tell us another fairy tale.
http://www.wsj.com/articles/u-s-plans-mass-deportation-of-illegal-central-american-migrants-1450949524
Part of the elect Hillary campaign?
I dunno, but it’s a really weird headline. Certainly there’s illegal immigrants in the US from a number of different countries. Why single out Central Americans? Makes me wonder if Mexico has something to do with this, but I have no idea.
It’s gotta be election related. Just like the deportations dropped significantly after the 2012 election.
They just announced the 2015 deport numbers and they are down by about 40 percent from a year or two ago. Some of this is due to fewer being apprehended. Some is due to just letting them stay and ignoring the law.
2015 marked the first year where there was a net outflow of Mexicans back into Mexico, due to our hope ‘n change economy going down the tubes.
Whoever is peddling that stat is giving you a flat out lie
LOL, I would LOVE to see someone file a discrimination lawsuit for this.
$PLC shills, email the story to your home office and see if there’s any interest.
These are the ones that recently surged across last year and this year. Here’s a WaPo article not requiring sign in:
https://www.washingtonpost.com/politics/us-plans-raids-to-deport-families-who-surged-across-border/2015/12/23/034fc954-a9bd-11e5-8058-480b572b4aae_story.html
It’s also a meaningless drop in the bucket.
WHY WOULD YOU ANNOUNCE IN ADVANCE THAT YOU ARE COMING AFTER FUGITIVES?
“WHY WOULD YOU ANNOUNCE IN ADVANCE THAT YOU ARE COMING AFTER FUGITIVES?”
To encourage self-deportation.
I am not a fan of mass immigration into the US, whether legal or illegal, however, I do think some from Central America have legitimate cases for asylum.
However, my guess is Mexico is not pleased with the competition.
No no no. Someone who comes here from Central America making the long and dangerous trek through Mexico would not self deport. They’d just change address or take the ride on the government dime back if caught.
Republican Candidates Defend Killing Civilians To Fight Terrorism – and So Do Democrats
‘It has long been a principle of Western jurisprudence that someone who is the proximate cause of a crime cannot claim innocence simply because of the influence of another party. For example, if someone starts a bar fight and a person ends up shooting him and a group of innocent bystanders, the shooter cannot claim innocence because the other guy initiated the conflict.’
‘Yet the front-runner for the Democratic presidential nomination has repeatedly defended Israeli military campaigns that have resulted in the deaths of more 4000 Lebanese and Palestinian civilians during the past fifteen years in the name of “self-defense” against “terrorism,” criticizing findings by human rights monitors, international jurists, and investigative journalists – as well as by Israeli veterans’ and human rights organizations–demonstrating otherwise as being “flawed” and “biased.”
THIS
‘It has long been a principle of Western jurisprudence that someone who is the proximate cause of a crime cannot claim innocence simply because of the influence of another party’
Clinton is a lawyer. Do you suppose she doesn’t understand the implications of precedent? Geneva Convention, what difference does it make? Oh, and the government is spying on us? Obama is a lawyer too. To heck with that Magna Carta, we’ve got bee stings threatening us! Very interesting that we have so easily shed the rights and morality it took centuries to build. I’m sure these lawyers turned Caesar will give it back if we just ask.
What’s the way out of a Trump nomination leading to a Clinton presidency?
And how come this blog is overrun with closeted Clinton campaign workers pretending to support Trump?
Not everyone buys your professorial lectures on Trump losing to a terribly unlikable candidate with an awful record terrible baggage and low energy. Hillary and her campaign staff certainly don’t, otherwise they wouldn’t be attacking him.
Who is attacking whom? Trump is coming off like a foul-mouthed bully. I understand the appeal of that stance to angry, cowardly, old, white male bigots, but I doubt the rest of the American electorate will go for it.
How Donald Trump May Be Helping Hillary Clinton
Attacks tend to make the Democratic front-runner stronger.
Jennifer Epstein and Sahil Kapur
December 22, 2015 — 3:39 PM MST
Donald Trump’s insults against Hillary Clinton prompted the Democratic presidential front-runner on Tuesday to lambaste her Republican counterpart as a bully.
“We shouldn’t let anybody bully his way into the presidency because that is not who we are as Americans,” Clinton said at a town hall in Keota, Iowa, one day after Trump told a rally in Michigan that “she was favored to win, and she got schlonged” by President Barack Obama in the 2008 election, using Yiddish slang for male genitalia. He also called her late return from a restroom break during Saturday night’s Democratic debate “disgusting.”
While Clinton didn’t directly address Trump’s language, she didn’t shy away from noting that she’s often been the target of attacks. “You are looking at somebody who’s had a lot of terrible things said about me,” the candidate said in response to a young girl’s comments about being bullied, which came at the tail end of a question-and-answer session. “You just say it and you send it around the world.”
…
Have yourself a Schlongy little Christmas,
Let your heart be light
From now on your incontinence will be out of sight, yeah
Have yourself a Schlongy little Christmas
Make the Yuletide gay
From now on your Bubba will be miles away, oh
Is Trump planning on getting elected by campaigning as the vilest, most uncouth candidate in U.S. history?
Nobody can accuse him of political correctness!
THIS
But you were just cheering Trump yesterday. Here’s his mention in this article:
“Yet the three leading Republican candidates for president are not bothered about that. Donald Trump has called on killing families of terrorist suspects”
So what exactly does “THIS” mean?
Because Republicans are fine with killing innocent children if the end justifies the means.
Donald Trump has called on killing families of terrorist suspects”
Goon:
“Trump is a healer like Jesus.
Trump is a healer like Jesus.
Trump is a healer like Jesus.”
(Is that how you do the selective outrage thing? This is my first time being selectively outraged, so I’m kind of winging it. Phony, you’re the expert, how am I doing?)
‘This is my first time being selectively outraged’
Sure.
First of all, we all have selective senses. Otherwise we’d all go insane from traffic noise, etc. The question is, what is outrageous? The other day I read some media people all aflutter because Trump said sch-longed. They said it was crude. Is it more crude than saying I am good at killing people, when you have weekly kill list meetings? Is it more crude than ghoulishly cackling and wiggling in her seat when Clinton heard the Libyan leader was killed?
The phenomenon around Trump is more important than the candidate, but the media won’t touch that. It is possible to say, globalism is a bad deal for the US. That being the worlds policeman is a bad deal for the US. He even said the Federal Reserve was setting us up for a fall, again. When Ron Paul said those things four years ago he got booed by Republicans. So something has happened.
But other things about Trump are revealing. See we’re supposed to be really scared of Muslims and threats. But not too scared. Be sure and go shopping. Bring in thousands of Syrians, but blow up their country day by day.
He says, “we’ve got to give up some rights”. Didn’t Obama take our rights with the NSA spying? Wasn’t it a big deal with Bush’s warrant-less wiretapping? Selective outrage, Democrats? Haven’t we already gotten to the point where a politician with enough votes can nullify parts of the constitution? Haven’t we already gotten to the point where a president can arbitrarily take actions where hundreds of thousands die, like Syria?
Let’s face facts; we’ve got the people riled up and ready to roll. The US is a victim, we’ve been insulted. Let’s round some groups up and put them in camps. What’s wrong with a little genocide, it’s working in Syria right? The fact is, we’ve already opened the gates to hell. The unthinkable. We should have listened to the framers of the constitution; no one person should have this much power. Checks and balances - don’t ever give them up. Because if you do, one day a guy like Trump might just come along and get his hands on that power. No Magna Carta anymore. This or that amendment to the constitution is a gone pecan. Geneva Convention; why are we talking about ancient history? We’ll kill and torture whoever The Leader wants. It’s already that way!
I always have wondered; just how will I know if or when it’s gotten really bad. Are we boiling like a frog?
One key to whether it’s legitimate outrage or selective outrage would be whether it’s taken out of context or not, IMO.
And whether it’s used to discourage open debate or encourage it.
Most likely outcome of a Trump presidency: Business as usual.
But there is at least some chance he could make things worse, based on his talking points.
Trump’s quote was “we’re going to have to do certain things that were frankly unthinkable a year ago”.
“Frankly unthinkable a year ago” seems pretty extreme to me. It’s not like we were wide-eyed innocents about terrorism a year ago.
unthinkable, like actually enforce immigration laws, or protect the Muslim faith by forcing them to confront those within their midst hijacking their faith.
President Trump is going to protect Islam by forcing some Muslims to confront other Muslims? That doesn’t sensible or likely to achieve what you’re looking for.
“…unthinkable, like actually enforce immigration laws, or protect the Muslim faith by forcing them to confront those within their midst hijacking their faith.”
Did Trump actually put it this way? If so, he sounds quite reasonable.
Why not post a link to where he said these things so we can know you aren’t making stuff up again?
Microcredit! The solution to poverty is loaning money to poor people!
From Wikipedia …
“Microcredit is the extension of very small loans (microloans) to impoverished borrowers who typically lack collateral, steady employment and a verifiable credit history. It is designed not only to support entrepreneurship and alleviate poverty, but also in many cases to empower women and uplift entire communities by extension. In many communities, women lack the highly stable employment histories that traditional lenders tend to require. Many are illiterate, and therefore unable to complete paperwork required to get conventional loans. As of 2009 an estimated 74 million men and women held microloans that totalled US$38 billion.[2] Grameen Bank reports that repayment success rates are between 95 and 98 percent.[3]
“Microcredit is part of microfinance, which provides a wider range of financial services, especially savings accounts, to the poor. Modern microcredit is generally considered to have originated with the Grameen Bank founded in Bangladesh in 1983.[4] Many traditional banks subsequently introduced microcredit despite initial misgivings. The United Nations declared 2005 the International Year of Microcredit. As of 2012, microcredit is widely used in developing countries and is presented as having “enormous potential as a tool for poverty alleviation.”[5]
“Critics argue, however, that microcredit has not had a positive impact on gender relationships, does not alleviate poverty, has led many borrowers into a debt trap and constitutes a “privatization of welfare”.[6] The first randomized evaluation of microcredit, conducted by Esther Duflo and others, showed mixed results: there was no effect on household expenditure, gender equity, education or health, but the number of new businesses increased by one third compared to a control group.[7] Professor Dean Karlan from Yale University says that whilst microcredit generates benefits it isn’t the panacea that it has been purported to be. He advocates also giving the poor access to savings accounts
Here’s what some on the Left have to say about Microcredit …
“The power of a dollar”
“Microcredit is nothing more than a socially validated way for financial elites to exploit the poor.”
https://www.jacobinmag.com/2015/11/microcredit-muhammad-yunus-bono-clinton-foundation-global-poverty-entrepreneurial-charity/
The answer is always 90 percent of someone else’s money or stuff. As soon as the honest answer of 90 percent was given, the leftists lost all credibility. Like the Bernie supporters who ostrich the fact that supplying all the free shit Bernie promises would cost trillions and drive taxes sky high (also crashing the economy).
It makes the lib-tards feel good to be generous with Other People’s Money.
An excerpt …
“Thirty years ago the international development community was ecstatic. It had found the perfect market-affirming solution to poverty in developing countries: microcredit.”
Perfect. A perfect market-affirming solution. Got it.
“The popularizer of this new strategy — which consisted of providing small loans to the poor so they could launch self-employment ventures — was the US-trained Bangladeshi economist Muhammad Yunus, who portrayed microcredit as a panacea that would rapidly create an unlimited number of jobs and eradicate endemic poverty.”
Perfect. A panacea that would rapidly create an unlimited number of jobs and eradicate endemic poverty.
And then … something happened …
Interesting stuff … (from Wikipedia):
“Accusation of ‘loan sharking’ and effectiveness of microfinance
“The allegations against Muhammad Yunus and Grameen Bank were made in a context where some people began to question the effectiveness of microfinance, prompted by the actions of some for-profit microfinance institutions (MFIs) in India and Mexico. Coercion, peer pressure and physical harassment were reportedly used as loan repayment practices in some specific MFIs. Commercialization of microcredit prompted Yunus to state that he “never imagined that one day microcredit would give rise to its own breed of loan sharks.”
“The lure of profits attracted some for-profit MFIs to hold initial public offerings (IPOs), including the largest Indian MFI, SKS Microfinance, which held an IPO in July 2010. In September 2010, Yunus criticized the IPO; in a debate with SKS founder Vikram Akula during the Clinton Global Initiative meeting, he said, “Microcredit is not about exciting people to make money off the poor. That’s what you’re doing. That’s the wrong message completely.” Calculations of actual interest rate vary, but one estimate puts average Grameen rates at about a 23% interest rate. At the same time the organization enjoyed a tax-free status for a period of several years which now has been removed.
“Sympathizers of Yunus allege that the government of Bangladesh is exploiting this “moral crisis around microcredit” to oust Yunus.”
I’m trying to find even anything Christian about today’s right. Forget anything on the far-right resembling the Christmas spirit. It’s really not there - none of the teachings of Jesus are there. It’s like they use his name to justify the opposite of what Jesus stood for.
(“The stranger among you shall be as one born among you,” says Leviticus, “and you shall love him as yourself”), that foreshadowed Jesus’ teachings to care for castaways and the least among us..”
The right’s war against the spirit of Christmas
https://www.washingtonpost.com/opinions/the-rights-war-against-the-spirit-of-christmas/2015/12/23/2a80b80c-a978-11e5-9b92-dea7cd4b1a4d_story.html
….Enmities, and most certainly not love, have become the core of the right’s appeal and message this year, ….They may well sweep Trump or Cruz to the Republican nomination; they have already infused the entire party with bigoted perspectives that will be hard to disclaim.
They are most surely at odds with the spirit of Christmas. Walls on the border, religious tests for admission, despising the poor — good thing Joseph and Mary didn’t have to encounter our modern-day defenders of the right as they scrambled from one country to another, desperate to save their son’s life.
…The mission of right-wing media and pols has been to exaggerate some of that displacement (the threat to white America), play down other parts of it (the evisceration of blue-collar living standards by corporate America) and lay the blame for it all on minorities, foreigners, liberals, feminists, gays — you know the list.
I gave a dollar to a panhandler in Miami Beach last week and he told me “I love you”
We had a bitterly cold night here recently, so my daughters (12 & 14) wanted to get up early, go to Chic-Filet, and buy a bunch of little breakfast sandwichs and coffee to pass out to some homeless dudes, mostly screwed-up combat veterans of neocon wars by the way, who sleep & hang out in a nearby park. The gesture was much appreciated.
“I gave a dollar to a panhandler in Miami Beach last week and he told me “I love you”
Was he one of those White Privileged panhandlers?
Mr. “Why should I care” loves us, each and every one.
Is this something Rio said?
Sounds like a good line to get selectively outraged by!
There he goes again painting every “right wing Christian” with the same broad SJW paintbrush. And in Jesus’ name no less. “Minorities, foreigners, liberals, feminists, gays” … Hey, I think you forgot hijab wearing Muslims also, another current victim of ophobia du jour. Keep pimping hatred for the backbone of America.
Trump’s got you skin color political pimps’ numbers. You’re gonna get Schlonged.
And Jesus said. “Go out and create huge bureaucracies where government workers take money from some and give to others at the point of sword. The government workers will be allowed to skim what they need for insane pensions and benefits. What remains of this money will go to buy the most votes possible. For this is the work of the Lord.”
Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.
–2 Corinthians 9:7New International Version (NIV)
The Marxists infiltrated most non evangelical churches back in the 70’s and redefined what it means to be Christian to fit the Fabian model.
Next.
Pulpit prostitutes, 99% of them.
And your church is part of 1%. Everyone wants to be special, part of some elite.
here is my favorite
Welcome to the Church of Stop Shopping!
Reverend Billy & The Stop Shopping Choir is a radical performance community based in New York City, with 50 performing members and a congregation in the thousands.
We are wild anti-consumerist gospel shouters and Earth loving urban activists who have worked with communities all over the world defending community, life and imagination.
We compel action in those who have never been activist, revive exhausted activists, and devise new methods for future activism. We also put on a great show.
http://www.revbilly.com/
I think I’ve found my church.
“….It’s been a banner year for fear and loathing, xenophobia and racism. What has made the year genuinely ominous is the emergence of fictions presented as facts that legitimize a sense of both grievance and hatred: New Jersey Muslims celebrating 9/11; the quarter-million Syrians that the Obama administration is planning to bring in; a wave of black-on-white homicide. Concoctions all, but credible enough to the sizable share of Republicans… Fed by talk radio, Fox News and paranoid websites, millions of our compatriots dwell in a parallel universe of alternative realities…the fashion among conservatives is to dismiss hard facts that clash with their alternative realities as “politically correct.” That’s Republicanese for “empirically correct” — verifiable by research, but at odds with the stories they’ve created to justify their rage.
Such right-wing fictions have always hovered on the fringes of the body politic, but what has enabled them to go more mainstream is the sense of displacement — from their previous position as a majority race, a thriving class, a dominant religion — that is now widespread among the white working class Trumpites and the evangelical Christians flocking to Ted Cruz’s banner.
…A sharp rise in the number of adherents to alternative realities in a world otherwise governed by empiricism is not without unhappy precedent in modern history. It has sundered nations and brought fascists — with their characteristic disdain for rationalism — to power. As W.B. Yeats wrote in his “Meditations in Time of Civil War””
This was why Trump was so clever to pounce hard on Hillarys lie about some ISIS recruiting video involving Trump. You say Trump lied because he couldn’t produce a video, well so did Hillary, same thing. I guess they share the Pinocchio award. Oh wait, Hillary lied about another video also, see Benghazi.
If you live in SoCal, don’t flick a Bic.
http://www.zerohedge.com/news/2015-12-24/unstoppable-california-gas-leak-now-being-called-worst-catastrophe-bp-spill
And why am I not seeing this story on the national news every night? Seriously.
Methane is a far worse global warming gas than CO2, so you would think there would be a lot of attention being given to this.
So why isn’t there? Something stinks, and it doesn’t smell like rotten eggs either.
buyback orgy slowing down:
“How BBBY Lost $1.7 Billion Buying Back Its Own Stock
Or, in return terms, since the start of 2011, BBBY’s management spent $6.5 billion to repurchase its own stock, while leverng up to the hilt. It has so far generated paper losses of $1.7 billion: a return which would have gotten any trader or hedge manager not only fired but expelled from the industry for ever.
Putting these numbers in context, BBBY repurchased 80% of its current market cap, which as of this moment is $8.1 billion. One wonders where the stock price would be without this Fed-enabled feat of financial engineering…”
http://www.zerohedge.com/news/2015-12-23/buyback-bloodbath-beyond-how-bbby-lost-17-billion-buying-back-its-own-stock
Enriching yourself off shareholder equity is hard work, like collecting interest.
Last September when looking at the chart showing BBBY’s buybacks vs its capex expenditures, shortly after Q1 BBBY issued $1.5 billion in senior unsecured Notes promptly using $1 billion of this to buyback its own shares, we presented the following three questions:
WTF
Is the entire management team about to quit, but not before cashing out of their equity-linked securities first?
See 1.
what a joke this bs is. company execs are gutting shareholder equity and gullible investors just grin and bare it. This sh@t should be illegal.
“This sh@t should be illegal.”
The SEC requires full disclosure and full disclosure is what you see - for anyone who cares enough to look.
full disclosure don’t mean diddly squat.
Companies should not be allowed to manipulate their own stock prices to enrich themselves. Basically they are gambleing with shareholder equity.
Its funny as hell that most people cant look past earnings / share.
Why dont they talk about plain old overall earnings? How much did the d@m company make? why does it have to be / share? Financial engineering sets in. Take out shares and the EPS magically goes up, STUPID, RIGGED, SCAM.
First you say: “full disclosure don’t mean diddly squat.”
Then you say: “Its funny as hell that most people cant look past earnings / share.”
But because of the requirement of full disclosure they can, they can look past earnings / share. But they choose not to.
what a joke this bs is. company execs are gutting shareholder equity and gullible investors just grin and bare it. This sh@t should be illegal.
95% of the ‘Murican electorate sanctioned rapcious crony capitalism with their votes for Obama, McCain, and Romney. The ripoffs will continue because that’s what the sheeple are voting for.
A chart …
http://finviz.com/quote.ashx?t=BBBY&ty=c&ta=0&p=w
BBBY net income:
2012 =989.54 million
2015=957.47 million
Looks like they are growing right?
BBBY shareholder equity:
2012=3.92 billion
2015=2.74 billion
3.92- 2.74 = 1.18 billion the shareholders lost and the stock deserves to go up? Where did the equity go my friend? yeah right, total bs.
What were the metrics on a per share basis?
up of course rigged
15 Questions You Won’t Hear in a Democratic Debate
December 24, 2015
Larry Elder
1) Polls show that, by a large margin, Americans feel we’re on the wrong track, both economically and as to foreign policy. Yet none of you offers any criticism of President Barack Obama, who has been in charge for the last seven years. Why, then, should Americans believe that four more years, under your leadership, would be any different from the last seven?
2) Sen. Sanders, you’ve called for a $15-per-hour minimum wage. But even Vice President Joe Biden’s economist, Jared Bernstein, considers a $15 hourly rate so high that it would cause an unacceptable loss of jobs. Is he wrong?
3) Secretary Clinton, you advocate “debt-free tuition,” and Sen. Sanders, you want free universal health coverage and paid family medical leave. You both say that you can accomplish this by raising taxes on the rich. But isn’t it true that if you completely confiscated the earnings of the top 1 percent, you couldn’t fund the current obligations of the federal government, let alone the new programs you want?
4) Sen. Sanders, you blame the 2007-2008 economic crisis, in part, on the removal of a part of Glass-Steagall, a 1933 depression-era regulation that prevented banks from engaging in both traditional banking and investment banking. President Bill Clinton is the one who got rid of it. He still stands by that decision, and believes it had nothing to do with the Wall Street/banking meltdown. Why is he wrong, but you are right?
5) Secretary Clinton, you described the higher premiums and higher deductibles — under Obamacare — as “glitches.” But don’t these “glitches” mean that Obamacare is failing to realize many of its objectives?
6) United Healthcare, the nation’s largest insurer, says its past support for Obamacare was a mistake, is losing money under Obamacare, and now says it may pull out altogether. Again, doesn’t that say that Obamacare is failing to achieve its main objectives?
7) Secretary Clinton, the U.S. joined with the French and the British in bombing Libya to depose Moammar Gadhafi. You’ve justified this by noting he was a tyrant and his departure meant that Libya could have free elections. Wasn’t Saddam Hussein of Iraq a tyrant, and didn’t the Iraqis have free elections after he was deposed by our invasion? Why is Libya OK, but Iraq a foreign policy blunder?
9) You’ve all denounced “institutional racism.” But President Obama, the first elected black president, has been in charge for seven years. Does he bear any responsibility for the persistence of institutional racism? And why do polls show that race relations, under this president, are the worst in 20 years?
10) Obama has said, “Children who grow up without a father are five times more likely to live in poverty and commit crime; nine times more likely to drop out of schools and 20 times more likely to end up in prison.” As between “institutional racism” or the breakdown of the black family, isn’t the breakdown of the family a much bigger problem when over 70 percent of black children are born without a father in the house?
11) All of you support the “Black Lives Matter” movement that has given support to college students who complain about so-called “microagggressions.” To fight microaggressions, some students want a campus “safe space.” What is the difference between a “safe space” and segregation?
12) All of you have denounced Donald Trump as a racist, a bigot and a fascist. But in 1993, Sen. Harry Reid sounded Trump-like when he introduced a bill to end birthright citizenship; advocated restrictions on legal immigration and on asylum-seekers; and wanted stiffer penalties for visa fraud. If Trump’s a bigot, isn’t Harry Reid?
13) Sen. Sanders, you say a police department should “look like the community they are policing.” But in Baltimore where Freddie Gray died in a police van and where Gov. O’Malley was mayor from 1999 until 2007 the majority of cops are people of color, the former PD head was black and the police command staff is majority black. What does this tell us?
14) Secretary Clinton, you’ve said that as to the allegations of sexual assault, women should be believed. Is this applicable to Juanita Broaddrick, Kathleen Willey and Paula Jones?
15) According to the Pew Research Center, 91 percent of Muslims in Iraq and 84 percent of Muslims in Pakistan support sharia law. Yet Iraq and Pakistan are the top two green card countries for the United States. Isn’t this both an assimilation problem and a national security problem?
I only read the first tenth of that list. It’s interesting that the first sentence of question 2 is an answer to question 1.
A post with a built in echo chamber.
16) Would a Trump nomination as Republican party candidate virtually assure another Clinton term in the White House?
rent free
Your posts are thought free.
I bet your anti trump screeds don’t require any thoughts either.
Give Professor Smokey a break, this is personal to him. He’s closely tied to nonhijabi wearing women, i.e. some moderate muslims whose religion is being hijacked by a significant minority of people who support pushing women back into the Middle Ages (and killing all gays).
“rent free”
At least I don’t repeat the same insipid phrase ad nauseum.
If current trends continue, Hillary will be living rent free in the White House.
Jail or whitehouse, it will be rent free.
Come to think of it, the Clintons’ Chappaquiddick mansion is also rent free courtesy of some rich oligarchs.
Need some insight please.
My neighbor next door has been in foreclosure since the case was filed on April 3 2015. I have been watching the johnson county court site waiting for updates. They owned a wine bar that was seized by the state of Kansas in Oct for the nonpayment of taxes, withholding, sales, liquor, you name it. They have already been through a loan mod in 2009-11 with Wells fargo, They have liens for various items against the house, asset acceptance corp, nonpayment of Hampton place hoa for years, kansas dept of revenue, irs, dept of labor.. I look today and see that the court site says for the foreclosure, “file on hold for loss mitigation”. The house is not maintained (guttering hanging down from the house and a back window to the main street is covered in plastic. The HOA already did a case for nonpayment and has the lien and are not doing anything at this time. Since the neighbors dont pay hoa, they dont get trash or yard waste picked up so tree leaves are going into my yard. I put up a fence in March by chance (thankfully) but things are coming underneath since they blew the leaves against the fence. My neighbors on the other side of me are allowing the trash of the neighbors to be placed out with theirs. I also see a recent bad check case posting this month from 2013.
I am beyond frustrated due to the lack of accountability these people have and that they are able to drag this out so long. I never see one of the two adults work.
All of this in a nutshell is exactly what’s wrong with this country.
I don’t feel safe with my property being next to people that abuse the system. Now I am worried that wells fargo is working with these people. I can’t tell if the loss mitigation is part of the foreclosure and the various lien-holders are working out the items with Wells F or if Wells is working with these people again on a loan mod. How they pass the income requirements now with only one working is beyond me.
Is anyone familiar with what the loss mitigation comment on the site means? Is it part of the foreclosure or is wells working with these people on a mod again?
The FSA votes.
That is all you need to know.
THE FSA will bring u down to their level eventually.
Pack your sh@T and leave. You might get some squatters in there soon.
“Is anyone familiar with what the loss mitigation comment on the site means? Is it part of the foreclosure or is wells working with these people on a mod again?”
Wikipedia …
“Loss mitigation [1] is used to describe a third party helping a homeowner, a division within a bank that mitigates the loss of the bank, or a firm that handles the process of negotiation between a homeowner and the homeowner’s lender. Loss mitigation works to negotiate mortgage terms for the homeowner that will prevent foreclosure. These new terms are typically obtained through loan modification, short sale negotiation, short refinance negotiation, deed in lieu of foreclosure, cash-for-keys negotiation, a partial claim loan, repayment plan, forbearance, or other loan work-out. All of the options serve the same purpose, to stabilize the risk of loss the lender (investor) is in danger of realizing.”
I am lucky, you are not.
For forty-three years I have been living four houses away from a family that is totally crazy. These forty-three years have been entertaining/educational for me but they have been disastrous for the next-door neighbors of the crazies, just as living next-door to your crazies is disasterous for you.
“… disasterous for the next-door neighbors of the crazies” … none of whom lasted more than a few years.
Sounds like your crazy neighbors are quite resilient.
“Sounds like your crazy neighbors are quite resilient.”
They are, and this resiliency is, in part, what makes them entertaining/educational.
They know how to “work systems” and they know how to deal drugs and, currently, they know how to turn their house into some sort of crash pad; Right now a down-and-outer can stay in their house for fifteen dollars a night. They may (probably) will have to sleep on an air mattress in the (stinky) living room but, hey, it sure beats the cold outdoors.
(I say stinky because the house stinks to the point whereby you can smell it when you walk by it. Again, I am lucky in that I do not live next door.)
‘They know how to “work systems” and they know how to deal drugs and, currently, they know how to turn their house into some sort of crash pad;…’
Sounds like Lil’ Sis’s former tenants. She finally went to court to have them evicted, after they lived rent free in her home for six months.
At this point I do not want the crazies to leave (which was not always the case); Their educational/amusement value has intensified over the years - the decades.
Their craziness - their disfunctionality - is passed on from generation to generation and it is interesting to watch; A case study offered up for free.
Once we have our permanant Democrat supermajority, there will be intergenerational “families” like this seeded into every neighborhood, like the Committee for the Defense of the Revolution snitch network in Cuba.
Where have you been? They are already here.
“I never see one of the two adults work.”
What age cohort are we talking about here?
I never see any of my neighbors work either. I would have to follow them to their jobs.
Have you seen them leaving in the morning dressed for work and returning the same time each evening? Think Lola.
My wife works at home and she never sees the husband leave. He was never at the house for two years after we bought and all of a sudden was back. Not sure where he was in that time peiod. The other neighbors around us don’t know the story either.
Gee, maybe that husband works at home just like your wife.
All of this points major drawbacks of suburban living. You don’t “feel safe with my property being next to people that abuse the system” and at the same time you’re peering through your curtains evaluating your neighbor’s work habits and passing judgment.
Evaluating your neighbor’s work habits comment = Mikey doesn’t work.
Republicrat Duopoly frontman Paul Ryan demanding more foreign wage slaves on behalf of his plutocrat puppet masters.
http://www.breitbart.com/big-government/2015/12/23/paul-ryans-christmas-warning-american-companies-will-shut-without-foreign-workers/
The Oligopoly’s mouthpiece of record in the UK, the Economist, think’s Yellen’s rate hike was stupid.
http://www.businessinsider.com/r-unconverted-contrarian-economist-unswayed-by-feds-liftoff-2015-12
Haven’t the Keynesian lunatics in charge of our monetary policy been telling us debt-fueled “growth” is a good thing?
http://www.businessinsider.com/bank-of-america-report-on-investment-grade-bond-fund-outflows-2015-12
Buy up international stocks! My DODFX fund dropped 20% from its peak earlier this year. Now it is at $37. Was as high as 47. I remember in 2008 at one of its huge free falls I bought it at $20 this time of year. Yield is about 2.50%, not bad.
Take advantage of outsourcing. Also buy emerging market stock funds.
I was about a year early on emerging markets. The lesson is “don’t catch a falling knife”. Thank goodness for dollar cost averaging.
VEMAX, the Vanguard Emerging Markets Stock Index Admiral Fund is down -13.23% YTD through the end of November 2015.
VTMGX, the Vanguard Developed Markets Stock Index Admiral Fund is up 1.65% YTD through the end of November 2015.
VTIAX, the Vanguard Total International Stock Index Admiral Fund is down -2.27% through the end of November 2015.
On a relative basis to other international markets, Emerging Markets have been a laggard this year.
“don’t catch a falling knife”
It’s very tricky to know where the bottom is after a bubble pops!
It’s also difficult to know in a bear market or a market correction. Dollar cost averaging into index funds is my way of investing at this stage of my life.
To be clear, Bill, I agree with your underlying premise to buy international stocks.
My view, flawed as it may be, is that as an American who is paid in U.S. Dollars the time to buy goods, services, and investments denominated in foreign currencies is then the dollar is strong.
As of this writing the DXY dollar index is at 97.95.
Canadians who bought U.S. real estate when the Canadian dollar was at par with the U.S. dollar are doing pretty well now that the Canadian dollar is only worth about .73 USD.
Canadians who bought U.S. real estate when the Canadian dollar was at par with the U.S. dollar are doing pretty well now that the Canadian dollar is only worth about .73 USD.
Maybe—that depends upon whether they have any equity in the property, and whether they financed it in USD or in CDN.
They are really only doing well if they have lots of equity (e.g. CDN cash purchase) or if they financed in CDN. If they financed 100% in USD, then it is basically a wash—dollar-denominated asset plus dollar-denominated debt.
Take advantage of outsourcing. Also buy emerging market stock funds.
Sure, if you want to get schlonged. Those “emerging markets” funded their “growth” with dollar-denominated debt. Now that their own currencies are tanking against the dollar, guess what? They are currency crises waiting to happen. I’ll pass on that “investment tip” SH.
“if you want to get schlonged”
How come no one has nicknamed Trump “Don the Schlong” yet?
I would think that good Christian Republicans might find The Donald’s ugly genital references quite offensive.
Am I the only one who believes Trump is a foul-mouthed bully who wil rescind our First Amendment rights to point this out if America makes the fatal error of electing him president?
He’ll swing centrist after the primaries.
A salesman sells.
Have commodities reached bottom yet?
BloombergBusiness
Commodity Collapse Has More to Go as Goldman to Citi See Losses
Luzi-Ann Javier
October 5, 2015 — 5:00 PM MDT Updated on October 6, 2015 — 8:46 AM MDT
More Pain on the Way for Commodities?
Morgan Stanley sees `long winter’ for prices lasting years
Open interest posts fourth straight monthly drop in September
Even with commodities mired in the worst slump in a generation, Goldman Sachs Group Inc., Morgan Stanley and Citigroup Inc. are warning bulls that prices may stay lower for years.
Crude oil and copper are unlikely to rebound because of excess supplies, Goldman predicts, and Morgan Stanley forecasts that weaker currencies in producing countries will encourage robust output of raw materials sold for dollars, even during bear markets. Citigroup says the sluggish world economy makes it “hard to argue” that most prices have already bottomed.
The Bloomberg Commodity Index on Sept. 30 capped its worst quarterly loss since the depths of the recession in 2008. The economy in China, the biggest consumer of grains, energy and metals, is expanding at the slowest pace in two decades just as producers struggle to ease surpluses. Alcoa Inc., once a symbol of American industrial might, plans to split itself in two, while Chesapeake Energy Corp. cut its workforce by 15 percent. Caterpillar Inc. may shed 10,000 jobs as demand slows for mining and energy equipment.
“It would take a brave soul to wade in with both feet into commodities,” Brian Barish, who helps oversee about $12.5 billion at Denver-based Cambiar Investors LLC. “There is far more capacity coming on than there is demand physically. And the only way that you fix the problem is to basically shut capacity in, and you do that by starving commodity producers for capital.”
Investors are already bailing. Open interest in raw materials, which measures holdings of futures and options, fell for a fourth month in September, the longest streak since 2008, government data show. U.S. exchange-traded products tracking metals, energy and agriculture saw net withdrawals of $467.8 million for the month, according to data compiled by Bloomberg.
The Bloomberg Commodity Index, a measure of returns for 22 components, is poised for a fifth straight annual loss, the longest slide since the data begins in 1991. It’s a reversal from the previous decade, when booming growth across Asia fueled a synchronized surge in prices, dubbed the commodity super cycle. Farmers, miners and oil drillers expanded supplies, encouraged by prices that were at record highs in 2008. Now, that output is coming to the market just as global growth is slowing.
…
“It’s a reversal from the previous decade, when booming growth across Asia fueled a synchronized surge in prices …”
Prices that were fueled by lots and lots of borrowed money …
“… dubbed the commodity super cycle.”
A super cycle fueled by a super amount of borrowed money.
“Farmers, miners and oil drillers …”
… by spending vast amounts of borrowed money …
“… expanded supplies, encouraged by prices that were at record highs in 2008.”
(Good jokes deliver good punch lines, such as this one …)
Now, that output is coming to the market just as global growth is slowing.
I was thinking about what Jonathan Gruber said about Obama’s health law depending on “the stupidity” of you guys who supported and voted for him.
And now I have started to worry about the well being of the Useful, well Useful Soldiers who carry the Climate Change torch for TPTB when they finally realize what has happened to them over these many years of failed predictions and find out it never was anything more than a giant scam for control, money and power.
Although it will be a dark day for you I want all of you Useful, well Useful Soldiers to remember…
http://www.youtube.com/watch?v=dXGa__ECvnM - 328k -
2banana’s Rule:
Conservatives have no problem living under the same laws and taxes they want for everyone else.
Liberals/progressives expect to be exempted from the same laws and taxes they want for everyone else.
Conservatives have no problem living under the same laws and taxes they want for everyone else.
What a joke! When are you moving to I-rack to live under American invasion?
Warmists gonna warm
It’s gonna be like 10°F skiing at Loveland today
Ten degrees Fahrenheit is “too damn cold”.
3 hours of this and I’m done!
How crowded were the slopes?
At 10 degrees (too damn cold) on Christmas Eve, my guess is that most folks skipped the slopes and stayed indoors and enjoyed soup and hot beverages.
Is the Fed on track to continue taking away the punch bowl in 2016?
Did they really take it away?
“In order to make it appear that the it actually has control over short term rates, the Fed has increased IOER by 25 basis points. This increases the subsidy the US taxpayers are paying the big banks from $6.5 billion per year to $13 billion per year. But hey. We don’t mind. It’s for a good cause. And it’s only $40 per American. We’re happy to help out.”
There is no fed funds market”
http://davidstockmanscontracorner.com/there-is-no-short-term-money-market/
looks like more hocus pocus via the repo market and raising the rates on the excess reserves.
We’ve Only Just Begun
For many years we’ve been going to a Christmas Eve service at a music hall. Parking was always included. This year parking is $10 as the promoters were unable to secure a sponsor/donor.
Parking included is socialist.
Parking included is incentive.
For the FSA.
Make that the FPA.
Is that the one on McMullen Booth Rd?
Have a Cloward-Piven Christmas
And when you walk down the street
Say hello to Julio
And everyone you meet
Ho ho the mistletoe
Hung where you can see
Somebody waits for you
A Syrian refugee?
Have a Cloward-Piven Christmas
And in case you didn’t hear
Oh, by golly
Have a Cloward-Piven Christmas
This year
Holly Jolly Christmas Lyrics - Burl Ives - YouTube
http://www.youtube.com/watch?v=nVMCUtsmWmQ - 404k
Globalists gonna globe
When you can’t get American citizens to live under long term liberal/democrat insanity - just import more people from around the world…
Illinois lost more population than any other state last year
Illinois Policy Institute | December 23, 2015 | Mark Fitton
The door to Illinois continues to swing outward more often than it does inward.
New data released by the U.S. Census bureau showed that in terms of domestic migration people moving about within the United States Illinois saw roughly 105,200 more people leave than arrive.
Even when offset by a gain of more than 37,600 by way of international migration, Illinois still ended up about 67,500 in the negative column.
With natural growth (births minus deaths) counted, Illinois showed a net population loss of nearly 22,200 people, or about 0.17 percent of its population.
Spring storms in almost January. Poor families.
““It’s terrible that this happened, especially at Christmas”
Ferocious, springlike storms kill at least 10 across the South
https://www.washingtonpost.com/news/post-nation/wp/2015/12/24/ferocious-spring-like-storm-system-kills-at-least-six-across-the-south/
….An unseasonably violent weather system ripped through the South on Wednesday, killing at least 10 people and injuring dozens more. Among the dead were an elderly couple who had just celebrated their 36th wedding anniversary and a 7-year-old boy who was riding in a car that was picked up and tossed by a tornado.
…The severe, springlike system spun off more than a dozen tornadoes Wednesday, according to the Storm Prediction Center — “but it was a single twister that did most of the damage,” CNN reported. The tornado, which “started in northern Mississippi and didn’t lift up until western Tennessee,” may have been on the ground for more than 100 miles.
Comment by Professor Bear
2015-12-20 13:04:44
“The real news is what is happening within the United States. Nothing else comes close.”
The commodity collapse was made in China, as will be the next global housing bust.
Late response, but…
IMO, the commodity collapse was made in the US of A. The commodity bubble was the direct result of the massive liquidity tsunami that we blasted out around the globe using QE; the commodity collapse is just the trailing edge of that bubble-wave.
I guess there is a chicken-and-egg argument to be made, as one could blame China’s commodities mania on Fed-manufactured QE and ultra-low interest rates.
Or was it due to the Asian savings glut?
I chalk it all up to globalization.
I can’t find anything about the Repub candidates that’s aligned with Christianity. There’s nothing close to the spirit of Jesus or Christmas. They warp it. It’s an insult to intelligent people and to Christians. Here’s just one example of the lie.
Ted Cruz’s Holiday Spirit
http://www.huffingtonpost.com/richard-north-patterson/ted-cruz-holiday-spirit_b_8805176.html
…This holiday season has offered far too little respite from humanity’s dark side — the hatred and fanaticism that gave us Paris, San Bernardino, Colorado Springs. How consoling, then, is Ted Cruz, who offers us the power of prayer and the balm of faith.
…And (Cruz) bears watching. His holiday rhetoric is not that of a God-smacked extremist prone to verbal excess, but a cold-eyed cynic, a top-tier graduate of Princeton and Harvard who condescends to his target audience for his own narrow ends. For the construct which defines him is not a hard right-wing belief system, but something far more frightening: the barren psyche of a demagogue.
Classically defined, a demagogue is “a political leader who appeals to the emotions, fears, prejudice and ignorance of the lower socioeconomic classes in order to gain power.” Thus, as with Cruz, for the sake of stirring excitement, demagogues “oppose deliberation” and “accuse moderate and thoughtful opponents of weakness.”
Bad enough. But consider the psychology of someone for whom personal advancement obliterates truth or fairness, and who sees others as chess pieces instead of human beings. A week before Christmas, Congress passed a rare bipartisan compromise by wide margins: a spending bill which prevented a potentially ruinous government shutdown — which, had it happened, would have been politically ruinous to Republicans. Protected by Republican leadership from the consequences of such a disaster, Cruz used conservative talk radio to throw them under the bus: “This is Mitch McConnell and Paul Ryan passing the Democratic agenda, funding Obamacare, funding amnesty, expanding low-skilled immigration… It’s an absolute betrayal.”
This is Cruz — a loner who routinely uses his Republican colleagues as foils for personal attacks; whose private conversation is little different than his self-aggrandizing stump speeches; and who is widely proclaimed as “the most hated man in the Senate.” In self-exculpation for this universal loathing, Cruz mocks Rubio for being adequately socialized — “he’s a wonderful communicator, he’s a charming individual, he’s very well-liked in Washington” — and argues: “If you want someone to grab a beer with, I may not be that guy. But if you want someone to drive you home… I will get you home.”
To a person, Cruz’s colleagues would rather have a beer at home. How else to react to a nakedly ambitious man whose behavior and persona suggest the following characteristics: “manipulative,” “cunning,” and “callous,” with a “grandiose sense of self,” “a penchant for pathological lying,” and a “marked lack of empathy for others.” Which, as it happens, are among the hallmarks of a sociopath.
“How else to react to a nakedly ambitious man whose behavior and persona suggest the following characteristics: “manipulative,” “cunning,” and “callous,” with a “grandiose sense of self,” “a penchant for pathological lying,” and a “marked lack of empathy for others.” Which, as it happens, are among the hallmarks of a sociopath.”
Or a banker. Redeeming qualities, all of them.
Sheldon Adelson is buying up another newspaper to add to his media empire of co-opted oligopoly propaganda mouthpieces. I’ve often wondered if the 99%ers who vote for oligarch-annointed candidates like Obama, McCain, Romney, HillaryJeb, or Rubio are congenitially stupid, as seems to be the case, or simply zombified due to a dependance on the oligarch-controlled MSM for their information. Your thoughts?
http://www.latimes.com/nation/la-na-adelson-vegas-newspaper-20151223-story.html
“Your thoughts?”
$$$$$$$$$$$$$$$$$$$$$$$$ … Money … I am thinking about money.
Money, money, money … More and more money. $$$$$$$$$$$$$$
Whoa, this is huge. Bernie joins Rand Paul in calling for a real audit of the Federal Reserve. Don’t go for any helicopter rides, Bernie.
http://truthinmedia.com/bernie-sanders-calls-full-independent-audit-federal-reserve/
While the Pineapples rhapsodize in here about the joys of collectivism, the people of Venezuela, who were stupid enough to vote for something for nothing, i.e. socialism, are now thoroughly disillusioned and have repudiated this bankrupt, fraudulent ideology.
http://news.yahoo.com/christmas-dead-venezuela-2016-looks-grim-111456110.html
“There’s just not enough money. We’ve switched off Christmas,” said Belisario, a 28-year-old with two kids …”
Visit your local banker and he’ll show you a way to switch it back on.
(Pssssst … About those two kids of yours … are they, er, young? Teenagers - teenage girls, perhaps?)
Merry Christmas!
Feliz Natal!
Feliz Navidad
عيد ميلاد سعيد.
圣诞节快乐。
Fröhliche Weihnachten!
חג מולד שמח.
Buon Natale!
God jul!
Glædelig jul
Счастливого Рождества.
Gleðileg jól.
Happy Christmas!
Joyeux Noël.
How’s the hope ‘n change working out for ya, ‘Murica?
http://theeconomiccollapseblog.com/archives/58-facts-about-the-u-s-economy-from-2015-that-are-almost-too-crazy-to-believe
“#1 These days, most Americans are living paycheck to paycheck. At this point 62 percent of all Americans have less than 1,000 dollars in their savings accounts, and 21 percent of all Americans do not have a savings account at all.”
YES!
“#2 The lack of saving is especially dramatic when you look at Americans under the age of 55. Incredibly, fewer than 10 percent of all Millennials and only about 16 percent of those that belong to Generation X have 10,000 dollars or more saved up.”
YES!
“#3 It has been estimated that 43 percent of all American households spend more money than they make each month.”
YES!
I think I’ve cracked the code on why the Pineapples seem particularly bit*chy around the same time of the month.
http://www.dailymail.co.uk/news/article-3372757/Is-half-suffering-time-month-Mood-swings-Bloating-Tears-s-not-just-women-blighted-hormone-cycles.html
Another story the MSM is blacking out. That guy that landed a gyprocopter on Capital Hill in a PEACEFUL protest wants to run against the vile Debbie Wasserman-Schultz.
https://www.rt.com/usa/327039-gyrocopter-hughes-florida-congress/
The AP had it yesterday.
http://bigstory.ap.org/article/89c609d415c74756bcc74e7a8675be71/man-capitol-gyrocopter-stunt-challenge-dnc-chairwoman
American taxpayers get to pay for the Israel bombs, rockets, and shells used to level Gaza; then we get to pay billions to rebuild the place so it can get flattened all over again. Awesome!
http://america.aljazeera.com/opinions/2015/12/dont-wait-for-the-next-war-to-rebuild-gaza.html
Freedom bombs!
YES!
Bubble Time.
97 degrees today. But………
I’ll be home for Christmas - Michael Buble’
https://www.youtube.com/watch?v=E4aA_K2MF5E
Another effete, useless, neocon bloviator shows his true colors.
http://www.breitbart.com/big-government/2015/12/24/george-will-beating-hillary-less-important-stopping-trump/
Why do our corrupt, traitorous elites hate Donald Trump? Because he is fearless when it comes to telling the truth.
http://www.breitbart.com/big-government/2015/12/24/the-great-truth-teller-of-2015-donald-j-trump/
He stole their sheep.
95% of the electorate are still firmly in the “sheep” category unless/until they prove otherwise by voting for a non-oligarch annointed candidate.
To be a Democrat, you have to be as amoral as you are stupid. Young Democrats are continuing this inglorious tradition.
http://www.zerohedge.com/news/2015-12-24/two-thirds-young-democrats-eager-accept-refugees-fictional-city-aladdin-movie
I got a Jackson here… Jon Corzine gets a full pardon at the last minute. Poor guy had to wait-out Obama’s second term.
White men must be stopped: The very future of mankind depends on it
Frank Joyce, AlterNet
Tuesday, Dec 22, 2015 03:15 AM EST
The future of life on the planet depends on bringing the 500-year rampage of the white man to a halt. For five centuries his ever more destructive weaponry has become far too common. His widespread and better systems of exploiting other humans and nature dominate the globe.
The time for replacing white supremacy with new values is now. And just as some whites played a part in ending slavery, colonialism, Jim Crow segregation, and South African apartheid, there is surely a role whites can play in restraining other whites in this era. Beneath the sound and fury generated by GOP presidential candidates, Fox News, website trolls, police unions and others, white people are becoming aware as never before of past and present racism.
Admittedly, this encouraging development is hardly the dominant view. To the contrary, given the possibility that Donald Trump, Ted Cruz, Ben Carson or one of their ilk might become president, white supremacist ideology seems to be digging in harder than ever.
http://www.salon.com/…/ - 358k -
White men can’t Trump.
It turns out that the only adult in my extended family who supports Trump is my certifiably insane SIL.
I don’t like losers.
Let’s see which groups you have offended so far:
- Mexicans
- Blacks
- Muslims
- Women
- Christians who find genitalia references offensive
Keep up the great work in 2016!
Merry Christmas
Forgot about the Jews (they drive a great bargain!)
Is your savings account empty or nonexistent?
Most Americans have less than $1,000 in savings
By Quentin Fottrell
Published: Dec 23, 2015 10:01 a.m. ET
And over 20% don’t even have a savings account
Justin Sullivan/Getty Images
For the majority of Americans, these are empty.
Americans are living right on the edge — at least when it comes to financial planning.
Approximately 62% of Americans have less than $1,000 in their savings accounts and 21% don’t even have a savings account, according to a new survey of more than 5,000 adults conducted this month by Google Consumer Survey for personal finance website GOBankingRates.com. “It’s worrisome that such a large percentage of Americans have so little set aside in a savings account,” says Cameron Huddleston, a personal finance analyst for the site. “They likely don’t have cash reserves to cover an emergency and will have to rely on credit, friends and family, or even their retirement accounts to cover unexpected expenses.”
This is supported by a similar survey of 1,000 adults carried out earlier this year by personal finance site Bankrate.com, which also found that 62% of Americans have no emergency savings for things such as a $1,000 emergency room visit or a $500 car repair. Faced with an emergency, they say they would raise the money by reducing spending elsewhere (26%), borrowing from family and/or friends (16%) or using credit cards (12%). And among those who had savings prior to 2008, 57% said they’d used some or all of their savings in the Great Recession, according to a U.S. Federal Reserve survey of over 4,000 adults released last year. Of course, paltry savings-account rates don’t encourage people to save either.
…
Article to post from Marketwatch dot com.
autogynephiliatruth.wordpress.com/…/ - 212k - Cached - Similar pages
Nov 4, 2015
https://autogynephiliatruth.wordpress.com/2015/11/04/the-threat-to-women-and-girls-presented-by-transgender-bathroom-bills/