shah269

I should be OK. I have an 800 credit score. And I'm at 22% differential. Crossing my fingers for 5% for the 80% loan. The 20%, that one I have to just pound salt. Will save me $200 a month. Not bad. But if you take it and say 1 million people did this....yeah we can maybe move this stuck economy of ours? Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

Well in life I will have the last laugh. What can you do, emails won't go, VOIP phones won't work and well....hell even the fax machine is shitting it's self. But god darn it! They got me! Such is life. They will go home and play D&D and I....I've got a date tonight! (don't tell any one, she has a PHD and is a size 6 and legs that will look sooooo good wrapped around my head!) Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

Saw that in 0.2 seconds... Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

I was having a drink and a steak with one of my fellow EMBA students and discussing this very issue with respect to economic growth. Low and behold one of his friends, my good friend works for one of the largest banks, indicated that there were tools. To which I indicated, "Yeah but you guys aren't playing, only 300 or so people nation wide have qualified!" To which he corrected me and stated I should look at a HARP loan, good for 125% of the value of the property. Well son of a gun! That guy is getting a steak dinner on me! Sure enough such a mechanism does exist. You have to have almost perfect credit and very little debt other than your home such as cars or boats (I think those two things will make our conservative friends smile) and a quick process you qualify. Now I don't wish to jinks myself yet for I have yet to qualify since my papers are still being processed but apparently there does exist a means by which we can free up capital. Now why on gods green earth isn't every one with good credit and no major debts told about this? Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

nah, I have always been pretty shallow. Well that's honest. How about income and stability? I have this thing where I just won't date a girl who doesn't make at least some money! Further more the little things push me away as well. Met a nice girl...had a slight lisp and liked to argue.... Never got back to her again. Date one, thank you....not here to argue. The lisp didn't bother me too much. I don't know. I don't want to get so picky that well...i fuck my self over. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

I'm sad to say, though a good 50% of my emails commit suicide the moment I pres send causing outlook to kill it self, my VOIP phone doesn't tell me I have any voice messages but happens to tell me about them a month after the date AND various other fun facts. I can no longer access any forums from work. This one included! You got me IT dude! Living in your dimly lit, dude infested, goat cheese smelling, Cheetos eating basement dungeon. Your passive agressivity finally got the better of me. Now go rock out in you late 90's Carola. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

Honestly I haven't had the place re assed thought it may be a good idea. It may be a savings of $1k I'll have to look into it. At the moment my taxes are at $5.5k which for NJ is rather low. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

Remind me again, how civil was it when you told someone to "STFU" upthread? It was in responce to a petty bit of spin. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

WOW real civil.....well good luck with that. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

NO YOU DON'T SAY! What next the sky is blue? An HA this is too funny! Talk about the banks telling the government to "suck it" http://www.hopeforhomeownersprogram.org/ Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

One word of advice, dont marry the dude for a visa. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

Credit default swaps and annuities oh my. Hum how did we get out of the last one? Is Germany giving Poland the stink eye? Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

This needs to be a T shirt! Very well said! Very well said! Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

For you ladies who think Cosmo is just no brains and all fake boobies and air brushing.....ok it is! But here is a fun one! http://www.cosmopolitan.com/quizzes-games/online-quiz/quiz-do-you-know-how-single-men-think And to kill the rest of your productive day some light reading! http://www.cosmopolitan.com/sex-love/tips-moves/oral-sex?click=smart&kw=ist&src=smart&mag=COS&link=http://www.cosmopolitan.com/sex-love/tips-moves/oral-sex-SMT-COS What to Do With His Balls (hint hint...don't punch them!) Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

OK if you say so. However I have a good feeling that said "costs" are simply passed on to the customer. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

And who pays the "costs to the bank"? Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

Again, please don't go there! You know as well as I that every time one reassumes a loan there are costs associated to the transactions as indicated in basic contracting law. The bank does collect a good bit of cash when the outstanding debt is reassumed at a lower rate. Thus the bank does make money and in theory over the long run the barrower saves money. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

Of course not. You've made it clear many times over that you make lots of money at your important job and that you are very smart. If the average income in the US is $45k and I make more I must be have something going for me. And let's not kid ourselves, banks have made very good money off many good loans. Those that coudl afford the payments are paying. The question at hand is how do we get out of this cycle to free up capital to bring the economy back to life. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

I'm sorry do you think I'm some sort of simpleton? Banks lend money not because they have a big heart, they lend money to those who have demonstrated good value so that they can make MONEY! And in my case as with many others this lent money was sold off 5 times through 5 different banks. Each bank made money on its transaction and fees. The bank that get "stuck" with my perfect credit rating loan can more or less expect continued return on their investment for year to come. I may have a good time in the other parts of the forum but please do not attempt such shenanigans here with respect to economics. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

I just call them as I see them. And remember the data you may be looking at may not be all the facts on the ground. A teachers assistant is counted as an instructor. So, let's say you have a class of 44 students and 1 special needs student. And that special needs student has an attendant with him or her in the class. Guess what....that attendant gets counted as a teacher. Now the data I have isn't the data you have. And as such I'm not going to be naming names and spilling beans on how some school play the game to make it appear that your kid is getting a top notch education when in reality the school is coming up short. That aside, back on topic. Neither side seems to have any ones best interests. Especially those in the middle class. However, the Democrats appear to be slightly, and the key words are appear and slightly, more in favor of availability of basic social services and closely watched corporate governance to ensure transparency and level playing field. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

Than we are in a world of hurt. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

OK people are doing that, they are working..if they have work...and they are paying money into an investment that will not have any real value in the next 10 years. How will that grow the economy? It will make a few people very wealthy due to their ability to buy these federally backed mortgages but the rest...the middle class.... What they should just keep dumping money into a hole? How does that create jobs? Jobs are not created by throwing money into a pit. Yes in 10 years time the pit will be filled with money and eventually capital will begin to float the economy. But as they say in 10 years time we may be all dead! Thus the question what can we do today? Now! Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

I don't kiss and tell, I like my job. What I do means I'm prevy to data you are not privy to. This was a very nice school with very nice kids but when you have 45 students per 1 teacher how can any student who is having an issue get any help? I know it's going to drive people nuts but, teachers are good for the economy. They are good for our nation and most of all they are good for our kids. Yes we all went to school and thus we are all "experts" but that aside the truth is that the lower the number of student's / teacher the better the odds of your kids getting a good education. Yet I can't help but wonder why it "appears" that the Republican party has picked a fight with teachers and basic social services. Schools, clean water, clean air, safe roads and safe food....I don't get it? Yes if you have money you can have access to all of this and more! But if god forbid you lose your job or fall on hard times? (Please don’t go into the BS rant about living off the land) But if it's a simple issue of simple minds attempting to make sense of complex issues than so be it. I understand that. After all who has the time between life and work and other to sit down and really truly come to terms with out socio economic system. Perhaps it is the case of the loudest most bombastic voice becoming the accepted voice of reason? Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

But what are the options? The banks made HUGE mistakes with respect to the mortgages and were bailed out by public funds. Yes many paid back those funds. But let's face it a good many of them would not be around if they had not received such an injection of funds to undo what they had done. Why can't such a federal option exist for the citizens of this country? Give those that are worthy access to zero interest loans to pay down their differential to be able to refinance and free up capital? As for accountability, hell you have the IRS! If Mr. Good Credit does not pay well guess what! The IRS will have a little word with you. The money will be made back in basic taxes on goods and services that the middle class buy. OR the banks may become more stable by the middle class paying down their outstanding high interest debts. The issue is at the moment, a good number of people are paying good money on properties that have next to no value for the next 5-10 years. If that money could be diverted we could see our economy rebuild faster? I know it sounds nutty but remember, the US treasury is considered the lender of last resort. And as it stands now we may be at a situation of last resort. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!

OK cool I see what you mean, verly logical. Life through good thoughts, good words, and good deeds is necessary to ensure happiness and to keep chaos at bay. The only thing that falls from the sky is birdshit and fools!