Mortgage Refinancing Coming

Sep 25, 2011
  • Since the Bank determines what your house is worth, why would the bank do anything but wait for the foreclosure, collect the mortgage insurance, … that you paid for each month,… and have the Feds tell the Mint to print cold hard cash and give to to them, …then take your house too. Any American that ask for refinance is just saying to any bank that they are dead beats that can not afford to do business with the Bank. Why would ANY Bank believe in mutual support of others when it can serve its own self interest instead?
  • Maybe the Federal Reserve will eventually understand is that it is FINANCIALLY PRACTICAL FOR THE UNDERWATER HOMEOWNERS TO STOP PAYING THE MORTGAGES AND LIVE RENT FREE… If your House is worth much less than the mortgage, why refinance? You will only gain a few dollars in Monthly Note Reduction and the REFINANCING FEES WILL EAT THE SMALL SAVINGS. THEN AFTERWARDS YOU STILL HAVE TO DEAL WITH THE LOSS IN EQUITY. If you stop paying the mortgage at least you have that huge monthly cashflow until foreclosure happens (maybe 18 months…). So what if your credit is damaged! YES, I KNOW THAT IS NOT THE AMERICAN WAY, BUT TELL THAT TO THE BANKING CROOKS THAT GOT US IN THIS MESS. If you want to get a job in another State you can rent and then move without the hassle of having to SELL A HOUSE. ONLY THE REALTORS AND TITLE COMPANIES PROFIT…
  • Lending has to be strict to prevent another housing bubbles. Don’t they understand? And also if one doesn’t have a job, how can the bank approve the loan? It is a very tough time right now, but in the long run, people will be used to the strict lending and start living within their means. The government needs to stop blaming the banks for that and start curbing bank risk taking and remove some of the stupid regulations that are killing jobs.
  • Lending Standards should be strict! PEOPLE SHOULD RENT IF they do not have enough DISPOSABLE INCOME AND A GOOD EQUITY DOWNPAYMENT(including Closing Costs) to BUY A HOUSE. If a mortgage is not paid the Foreclosure should happen in a legal manner.
  • continue reading »
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One day the economy is recovering?

Sep 6, 2011
  • The index fell because there were unconfirmed rumors that the feds are running out of the special trees which are used by the US mint to print USD on. There is a shortage of the special ink that is only produced in China. The index is unlikely to come up unless the feds can find new sources of these special trees. Jean Trichet has been secretly growing such trees but is not willing to disclose this until the German parliament approves the EU bailout. Obama meanwhile is hoping Ben is able do some magic and Perry on the other hand, does not want Ben to do anything until he gets elected and has promised Ben he can print as much as he wants with no constraints. The American public meanwhile defrauded to the last penny by Wall Street friends of Ben have given up hope and the only way out for them to stop paying their mortgage. Wall Street though is keenly waiting for the tax payers to take the fall, especially now that the bonus season is close.
  • Why should anyone be surprised at this outcome of the Washington farce? My biggest concern is that in another week or so they will be back at it again. The fact that a frontrunner for the Republican presidential nomination is publicly saying that God delivered Hurricane Irene to Washington as a warning is equally disturbing.
  • How about voting someone in who has some credibility! 99% of these clowns in Washington are a waste of space! They have all of a sudden become fiscally responsible, now that their incompetence is there for all too see! They have been incompetent for years but everyone just accepted it!
    Doesn’t matter which Party either, they are all the same. Corrupt! They will tell you exactly what they think you want to hear to get elected! Then they will keep doing “Business as usual” as soon as they are re-elected!
    This next election is “Make or Break” Make it count! continue reading »
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US Banks Sued

Sep 4, 2011
  • Of course the timing of this has nothing to do with BO out on the campaign trail on his bus. When did the banking crisis happen? 3 years ago, and they’re getting around to it now….disgusting.
  • So……First the government bails these banks out with TARP and is now sueing them? That makes a lot of sense…
  • Let’s make sure that the Banks have no money to lend to anyone. Regulators at their best.
  • Its like bailing out a criminal. After the trial the criminal goes to jail and you get the bail money back. That’s how it goes people. Duh.
  • I don’t know why they are doing that, if they still want the banks to help the economy by lending.
  • Not to mention actionable litigation damages to the US Economy… yes junior.. us little people.
    we’re just gettin warmed up!
  • I think they are doing this so they can leverage a deal for rewriting mortgages for people that used their houses as ATMS
  • If FHFA has its way I might enter S and P at 950. For all of the Bank haters…..try to get a loan.
  • This country that lacks skilled scientist, engineers, math majors……etc
    College is outrageously expensive and to borrow you get charged 8% interest – Wouldn’t you think a Student Loan would be 3-4%? Especially when Fed Funds is .25%
  • They should sue Bill Clinton for starting it all with the repeal of Glass-Seagall and the Community Investment Act
  • I’d’ love to see the gov’t prosecute members of congress who pushed banks (freddie/fannie) to accept mortgages from people with no down-payment, no jobs.
  • continue reading »
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US Food Safety

Sep 4, 2011
  • Fukk that, the agriculture industry needs tax cuts and no regulation, only then they can feed us healthy food.
    We all know that all private enterprises are self-regulating, they will not wipe out your whole family with contaminated foods, unsafe equipment, lack of medical care.
    Fukk this big government, those communists that we elected should not be allowed to stand in the way of profits.
  • The food supply chin in this country is deplorable.
    Grow your own (vegetables). Buy meats locally from a co-op.
    Dept of Ag is controlled by Wall Street, just like the rest of DC.
  • chin = chain. Before some typo-nazi has a field day.
  • Michelle Bachmann would rather die from anthrax than inhibit the profits of the industrialized “farm” corporations of the world.
    All these rules and regulations, phooey!
    And I think we should stop testing our water supplies for the presence of these chemicals – HELLO – no more big government interference in our polluting and killing please.
    McNuggets for all!!
  • Get a clue people – you want good quality and safe food, you need to pay for it. Same with that other article about teh FDA and the hip replacements, letting the ‘profit’ be the self regulating factor isnt going to give you high quality and safety, at least not in a short time to make a difference. Only with tech (like the article about tablet devices) does the best show through instantly and the second rate stuff get shunned. In food and medicine its a whole different game and takes years to manifest itself if there is a bad ‘apple’ product out there. And it doesnt hurt the fradulent and unethical company until the damage is done- then they have moved on anyway.
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US Jobs Report

Sep 4, 2011
  • I need a job is anyone hiring? I thought this would be a good place to ask.
  • HERES ANOTHER THOUGHT WILL THEY ADD INTO THE JOBS REPORT THE VERIZON WORKERS THAT RETURNED TO WORK? JUST A THOUGHT
  • If someone offered you unlimited amounts of money for 10 years at 2% interest, would you take it?
  • Such a joke. Businesses wait for hiring data when…oh they’re the ones that do the hiring. What a farce. Talk about holding your own destiny in your hands. The whole system is rigged.
  • Fill in names where appropriate to accurately reflect your view on the current financial situation.

    A cardiologist died and was given an elaborate funeral. A huge Heart covered in flowers stood behind the casket during the service.

    Following the eulogy, the heart opened, and the casket rolled inside. The heart then closed, sealing the doctor in the beautiful heart forever.

    At that point, one of the mourners burst into laughter. When all eyes stared at him, he said, “I’m sorry, I was just thinking …of my own funeral……..I’m a gynecologist”.

    The proctologist fainted. .:)

  • GEE… THIS IS REALLY NEW NEWS,,, this administration and every agency does it darnest to put a damper on free market economic activity and writers on this forum are wondering why unemployment is so “HIGH”. As I have restated in past posting Osama Obama tries the old political trick by saying that “he thinks about creating jobs every morning and every evening before he goes to sleep”. If he is really thinking about us, he might “reorient his thinging” out of the classroom and do what’s right.. ALLOW THE FREE MARKET to work as it has historically. I am beginning to think this fool failed COMMON-SENSE, HISTORY AND ECONOMICS IN COLLEGE. IF you read much, his “GREEN JOBS” initiative cost the American TAX PAYING Public 1/2 a billion $ AND 1100 jobs when the stimulus plan invested in a BOGUS company that when BANKRUPT recently. conduct due-dilligence fool.

    THIS upcoming stunning anouncement about creating JOBS I suspect will cost us more $ & more jobs with GOVENMENT INTERVENTION.

    Open for comments: .. and don’t blame the former administration OR SAY HE IS TRYING. THIS IS NOT OJT.

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Federal Deficit Reducing

Aug 27, 2011
  • A basic economic FACT every story about the current budget deficit glosses over: All EVERY plan focusing on spending cuts does IS SLOW THE RATE OF INCREASE in the budget deficit. Unless the government takes in more money than it spends (what we call a “budget surplus”) not only is the budget deficit not reduced, it will continue to increase. Further, every cut in taxes or tax rates, if not accompanied by a larger spending cuts (or more revenue), only increases the deficit further. The model for this situation is not 1980 and President Reagan, it’s 1930 and President Hoover. In the face of a catastrophic stock market drop and pullback in business and consumer spending, President Hoover – following the “conventional wisdom” of the times – directed cuts in government spending to “balance the budget” at all costs. That’s exactly what’s happening worldwide today as cuts in consumer and business spending are matched by cuts in government spending. The best outcome in this situation is a generation of slow growth. The worst outcome is a depression matching that of the 1930s.
  • The opposite of that is what we’ve got at the moment, blowing cash like it’s going out of fashion.

    The other point about ‘austerity’ and living within your means is this – EVERYONE CAN STILL GET WHAT THEY WANT. All governments have to do is this -

    1. By next month ALL budgets are cut my 10%. Now, tell me this everyone, if you were forced to cut your own budget by 10% could you a) easily do it, and b) chances are it would have little effect. See?

    2. Tackle government waste. Hire crack teams of accountants and managers with REAL BUSINESS EXPERIENCE and pay them a damn FORTUNE. Also, publish their results to see how they earn their money.

    Do both of those and like I said EVERYONE CAN STILL GET PRETTY MUCH EVERYTHING THEY WANT. continue reading »

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Wall street drame

Aug 27, 2011
  • This is just another case of the “new American way” – where leaders who make mistakes and damage businesses decide who gets fired from the top down (and get large bonuses for “restoring profitability” if they throw enough innocent workers under the bus), while people who worked hard to implement the ideas of these geniuses in boom times are cut loose or forced to work double duty, and loyal customers who got bad advice (or were victims of outright double dealing) are forced to pick up the slack.
    I’m waiting for a Board with more stones than comp consultants in their pockets to start a layoff from the bottom up, by asking workers to weed out the useless jerks in the ranks of their supervisors, the remaining supervisors to weed out middle managers, remaining middle managers to weed out executives, and remaining executives to decide on whether to retain the CEO. This strategy should result in savings that are a multiple of those from a top down headcount reduction, due to the leverage provided by identifying the greatest amount of dead wood at the highest salary levels.
  • As a kind gesture, I would also offer people at each succeeding rung up the corporate ladder the option to waive their bonuses and take a proportionate cut in compensation to save their fellow employees’ jobs – not because any of them would ever take it, but because it would be fun to see them experience the acrimony, fear, bitterness and survivor guilt which so far seem to have been reserved for working people who are given that “generous” offer when their bosses need cost reductions to hit their bonus targets and option strike prices.
    At least the executives, traders and deal makers would understand the importance of keeping their compensation packages strong in the face of layoffs so that the ones left behind would not all jump ship, unlike lower level workers who somehow think that it’s fair for everyone to make less money when the firm makes less. And with the leverage of weeding the numbers of these people out from below, the firm would still save more money than by keeping them ALL on at comp levels disconnected from performance. continue reading »
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GS about US growth

Aug 26, 2011
  • Good…
    GS should follow Lehman and dive off a steep cliff.
    As for the article stating people who bought and held stocks was a good thing…keep doing just that, so when the SHT fan, you’ll lose all of your holdings and will be left with zero!
    Wake up…
    Also, It’s time to disconnect Wall st with Washington don’t u think?

    Hey Traveler40…I most certainly care what these corrupt greedy bastards do…it’s my future and my familiy’s too. They all need to be tried as criminals and should be behind bars for their heinous crimes against Americans.
    BTW..these Elitist pigs are Bilderbergs…
    If you do not know who these dogs are, you are out of the loop!

  • GOLDMAN IS RIGHT ON THE DIRECTION OF GDP WHICH IS DOWNWARDS BUT THEIR ESTIMATE IS NOT RIGHT..
    IN FACT GDP WILL CONTRACT MUCH FURTHER DOWN TO 0.5 OR EVEN 0.0% GROWTH FOR Q3 AND -0.5 TO -1.0% FOR Q4
  • You are exactly right. “Blabby” Abby comes out and says “blue sky, full speed ahead – buy, buy, buy.” Then this clown comes out and says “the sky is falling; bail, bail, bail.”

    It is the old divide and conquer strategy. They have adopted the same strategy as the Fed. Why not; they are all on the same team. Ever notice how Zimbabwe Ben comes out one day and “black”; and, then in a day or two (sometimes same day) one of the other Fed crooks comes out and says “white”. Their objective is to keep you befuddled (as Cramer claims he is), bewildered, and confused. They want you act like deer-in-the-headlights. All the while they are all on the same page (WS Banksters, Little Timmy (aka “The Weasel”) and the Fed.

    The news is constantly chock full of conflicting information. That is why charts are so important. I don’t care what any of these rotten crooks tell us. It is all designed to confuse the crap out of us. The charts never lie!! continue reading »

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Gov. Perry called for more transparency

Aug 18, 2011
  • Perry is saying now what Ron Paul has been saying for 3 decades. Monetary policy is now a hot button item that the American people are now starting to care about, just like the wars were the hot button item in 2008. The guy that won that election promised to end the wars and to close Guantanamo. Well Guantanamo is still open and we are in more wars/conflicts now than ever.

    Perry is a Bilderberg bankster puppet and, if elected, will NOT do a damn thing about the international bank owned ponzy scheme known as the Federal Reserve. Do not buy the parroting of Ron Paul’s long time political stance by Perry.

    More and more candidates will start to copy Ron Paul because he is the real deal.

  • Of course, talking about a real issue like the FED is going to get you in trouble, just ask Dr Ron Paul. Dr Paul was tied in Iowa straw poll, but who would have known. Media black out!
    Hopefully he will win. Ron Paul 2012
  • First I thought this guy was a smarter version of GW who kept his foot out of his mouth, I was wrong. You could hand him the Fed’s open books and he wouldn’t know it from the funny papers.
  • I’m sure a lot of US jobs would be created with the the cash influx from overseas … chauffeurs, Ferrari mechanics, h00kers …
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Buffett still wants to pay…

Aug 18, 2011
  • Yes, Mr. Buffet, you have a choice. Choose to be a man of integrity, where you actions match your words and write the check to the Treasury. Or, be the sniveling coward that you most probably are and keep wasting oxygen talking about it, making yourself feel good, but in reality you are a tool of big government.
  • How exactly do you give tax cuts to the poor when they don’t pay taxes as it is?

    … and just because people will “spend money” is not a good reason to just “give them” somebody elses money.

    50% of the country doesn’t pay Fed Tax, yet they use the same services (actually more) than the rest of us. Why should I pay 5x what the guy down the street pays for these same services (I mean I think I already pay 3x)… because I actually managed my life better?? Sorry that’s not a good enough reason.

    And if I am going to pay so much more, are the lower middle class people going to help me pay my more expensive student loans for me?

    Financial success is a long series of choices and sacrifices – I don’t ask for reembursement on those, but by the same token, the people who didn’t make those choices/sacrifices and ended up w/ less money don’t get to simply take more from us.

    I’m not rich, but I imagine I’ve already paid more in taxes over the last 15 year than the average American pays in 15 lifetimes. When is it enough??? continue reading »

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