Rstanley0312

Note that's true on both sides of the loan. The Wall Streeters and banks who made these loans had no problem blaming it all on the government and taking bailout money. The individual homeowner blaming it on the banks is no different. If buyers had only taken loans they could afford, we wouldnt be in this mess. Similarly, if banks stood behind the loans they wrote (and only issued loans they'd stand behind), we wouldn't be in this mess. The difference here is one actually gets paid for their expertise on mortgages, and deals with thousands of them per year, while the other will go through it a handful of times in their life. But money buys influence, so the side with the money got bailed out years before the side without. Blues, Dave Agreed.... but that is the problem with our model. Most banks do not hold their own paper. Even the big ones don't keep it all. They sell it to Fannie & Freddie who push what they see as acceptable. Do you know that FHA loans are not score driven at all? Insane.... banks obviously put limits on the score but if Fannie/Freddie/govt. had their way it would not take a credit score in to account at all....... I think you miss his point entirely. Bankers and other mortgage lenders are (supposed to be) professionals in the financial services industry and capable of looking after their own interests. The average homebuyer is not a financial services professional and is likely to believe what the (supposedly) professionals tell them they can afford. Fortunately I bought my homes at a time when mortgage lenders were, on the whole, honest. I do not think I do miss his point. It has nothing to do with the loan officer, whom the public deals with, being "honest". The loan officer offers products that the banks or lending institutions tell them they can. I will grant you that there were some exotic products out there and some LO's that put people in those products and shouldn't have. At the same time if a loan officer tells me that my rate is going to be 1.25% for the first month and then it could adjust with the market at any time along with the fact that I am only paying the interest because houses always appreciate..... right? That is also on the consumer. The loan officer's honesty has nothing to do with the fact that home values were inflated beyond belief. They also do not have nay say over what type of loans the market is offering...... for that you can largely thank Fannie & Freddie... or the good ol' U.S. govt. Fact is, lay people are going to believe their bankers about financial matters just like they believe their physicians about medical matters and their lawyers about legal matters. A lot of people with minimal or no financial acumen were led down the primrose path by financial services professionals who engaged in unethical behavior in order to enrich themselves, all the way up the line to Wall Street and the ratings agencies. I would not say "a lot". I think the majority just made bad choices. I do not think the majority of LO's were bad or unethical but hey, that's my opinion and you have yours. Neither of which will ever be proven by fact. That does not stop people from blaming though which brings me back to my original point... no accountability! Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Note that's true on both sides of the loan. The Wall Streeters and banks who made these loans had no problem blaming it all on the government and taking bailout money. The individual homeowner blaming it on the banks is no different. If buyers had only taken loans they could afford, we wouldnt be in this mess. Similarly, if banks stood behind the loans they wrote (and only issued loans they'd stand behind), we wouldn't be in this mess. The difference here is one actually gets paid for their expertise on mortgages, and deals with thousands of them per year, while the other will go through it a handful of times in their life. But money buys influence, so the side with the money got bailed out years before the side without. Blues, Dave Agreed.... but that is the problem with our model. Most banks do not hold their own paper. Even the big ones don't keep it all. They sell it to Fannie & Freddie who push what they see as acceptable. Do you know that FHA loans are not score driven at all? Insane.... banks obviously put limits on the score but if Fannie/Freddie/govt. had their way it would not take a credit score in to account at all....... I think you miss his point entirely. Bankers and other mortgage lenders are (supposed to be) professionals in the financial services industry and capable of looking after their own interests. The average homebuyer is not a financial services professional and is likely to believe what the (supposedly) professionals tell them they can afford. Fortunately I bought my homes at a time when mortgage lenders were, on the whole, honest. I do not think I do miss his point. It has nothing to do with the loan officer, whom the public deals with, being "honest". The loan officer offers products that the banks or lending institutions tell them they can. I will grant you that there were some exotic products out there and some LO's that put people in those products and shouldn't have. At the same time if a loan officer tells me that my rate is going to be 1.25% for the first month and then it could adjust with the market at any time along with the fact that I am only paying the interest because houses always appreciate..... right? That is also on the consumer. The loan officer's honesty has nothing to do with the fact that home values were inflated beyond belief. They also do not have nay say over what type of loans the market is offering...... for that you can largely thank Fannie & Freddie... or the good ol' U.S. govt. Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Not only bumps and bruises..... as you advance you will fly at higher speeds. I am guessing that while you learned to backfly in this last session it was at lower speeds. To get to higher speeds often used in sit and head down you need to be able to recover and go to your back at those same speeds first. Once that speed picks up smaller mistakes in body position bring more risk. For instance, when you start learning transitions of back to belly and vice versa and take those to higher speeds.. bad things can happen.... or say back to sit or back to a sit position on the net... you let those hips come forward and don't hold your 90 and you will get propelled in to the wall quickly.... at higher speeds...... this can break you! Make more sense? It is true you are not dealing with canopy, canopy flight, or landing but in the sky you are not dealing with walls, an open door outside the column of air, or a floor/net. When I started working on my sit in the tunnel I had a tendency to stand up when tired and coming back down towards the net....... BAD! You almost need to imagine there is no net and keep your body position.... keep flying. Hope this helps...... I would not say either is "safer" really. It is all calculated risk. Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Note that's true on both sides of the loan. The Wall Streeters and banks who made these loans had no problem blaming it all on the government and taking bailout money. The individual homeowner blaming it on the banks is no different. If buyers had only taken loans they could afford, we wouldnt be in this mess. Similarly, if banks stood behind the loans they wrote (and only issued loans they'd stand behind), we wouldn't be in this mess. The difference here is one actually gets paid for their expertise on mortgages, and deals with thousands of them per year, while the other will go through it a handful of times in their life. But money buys influence, so the side with the money got bailed out years before the side without. Blues, Dave Agreed.... but that is the problem with our model. Most banks do not hold their own paper. Even the big ones don't keep it all. They sell it to Fannie & Freddie who push what they see as acceptable. Do you know that FHA loans are not score driven at all? Insane.... banks obviously put limits on the score but if Fannie/Freddie/govt. had their way it would not take a credit score in to account at all....... Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Shah... my post was not directed at you. Just an observation and comment on the story in the OP. Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

this whole deal is BS really. It will create more homeowners that go delinquent on their payments so they can cash in on this bailout. It's sad ..... a person's word/signature means nothing anymore to them. There is no personal responsibility anymore...... the attitude is "it's not my fault". Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Sorry if it is a repost but I could not find it after a quick skim of posts. http://www.kfvs12.com/story/16907319/video-of-facebook-parenting-from-youtube-man-shoot-daughters-laptop Thoughts..... Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Nice everyone.... glad I chose to hit the tunnel again before I even read these responses. I just didn't know if I would really benefit that much from it...... I did! Best session of all three sessions I did! I am just now getting in to higher speeds in a sit and it really made a lot sore. I have done more time before on consecutive days but this really kicked my butt but it was so worth it. Thanks to everyone at the Denver tunnel. Mike and Derek P. you helped a ton! Derek V. next time brother... thanks for setting it all up! Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Did 15 min. each day the last two days and I am sore but I have an opportunity to hit the tunnel again..... should I do it? No tunnel near home sooooo...... based on experience from everyone..... am I doing more harm than good or would it be beneficial still? Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Great stuff.... it is great for my low timer mind to read. I think this is a post I will revisit over and over for many years to come. Twardo..... you da man! Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

I agree with you John and for many of us we are lucky enough to be born in the USA which affords opportunities that most in the world will never have. As Americans we have a leg up already. There are many "self made" people i the US but would they be if they were born in Iran or for those that came here and are very happy/successful..... would it have happened in your home country? That is why I voted mostly responsible. Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Awesome Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

I carry a S&W .38 airweight with crimson grip. It is a nice option. Small and pretty accurate. It's a five shot revolver but for me the crimson grip is a add on that is well worth it. It is hard to miss when you practice with the pistol and have the advantage of knowing that where the little red dot is the bullet will go. I also carry a 1911 or my M&P .45 too but normally in the winter with bulky clothes. I have smaller hands and all of these pistols work really well grip wise. The .38 has different grip options and the M&P come with three different grips. Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

No I haven't and all you did was provide a link to a Sally Kohn article which does nothing but solidify my point bc that woman is a flaming lib. Despite what you may think Fox News actually does offer both sides from employees who do lean different ways. Edited to add...... that is also why this article is under the OPINION heading. Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

The ugly one or the pret.... never mind. They're all pretty; Shah moonlights as my office manager. How much did all the boob jobs cost you? was Shah included in on that? Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

It's pathetic really. Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Nice.... I have been emailing the coach and he is setting me up for Mon. & Tues. night. :) The 1st & 2nd Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

http://money.cnn.com/2012/01/18/news/economy/keystone_pipeline/index.htm?iid=Lead Who needs more jobs and less dependence on overseas oil? Not us.... right? Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

I called a coach. He actually messaged me just to let me know what to click for coach info. Now I am just waiting to hear back from him. If they have slots open this will work out well because the Marriott I am staying at is on the same road about 4 min. away. I did not even plan it. Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Thank you! I appreciate that. I am going to try and call them again and try to snag a good free fly coach. Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Thanks John.... already did before I posted this. Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Looking for feedback on it. I assume it is a good tunnel but just wanted anyone who has an opinion to share it. I will be in Orlando at the tunnel at the end of the month then home for a couple of days then off to Denver for other business. I was thinking about hitting up the tunnel there too. Also, on the website it looks like they do not have smaller blocks just hour blocks for skydivers. Is this right? I tried to call yesterday but no answer. Thanks Rob Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

Dude you can't sit fly. We all know it. Im the only one that loves you enough to say it. DUDE! Shut up, I'm trying to look cool on here. Because everyone knows if you cannot sit fly than you are not cool at all.... Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

It is holding quite well but there are a lot of bad reasons why it is doing so...... Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com

I like to keep it simple - "it's the [insert your favorite scapegoat here]'s fault" scapegoat can be any demographic that is not you I blame Bill Von clearly his fault. Life is all about ass....either you're kicking it, kissing it, working it off, or trying to get a piece of it. Muff Brother #4382 Dudeist Skydiver #000 www.fundraiseadventure.com