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Apparently waterboarding is so effective that we had to do it to KSM 183 times over the span of a month. So does that mean that it’s effective or useless?

[afx114]

Apparently waterboarding is so effective that we had to do it to KSM 183 times over the span of a month. So does that mean that it’s effective or useless?

[afx114]

Apparently waterboarding is so effective that we had to do it to KSM 183 times over the span of a month. So does that mean that it’s effective or useless?

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I am self-employed, and when I was applying for loans a few years ago, the broker needed everything from me. Not just tax returns, he also wanted bank statements, 401k statements, P&L, pee in a cup, and even all of my check stubs that I had luckily saved from all my clients’ payments. This was at the peak of the bubble, but the broker I was using knew what was coming and he actually did his due diligence. Luckily I didn’t buy (due in part to this board).

I’d imagine that it would be much more difficult for me to get a loan in today’s environment even despite the fact that I have a larger down payment and that my income has actually gone up and gotten more stable.

[afx114]

I am self-employed, and when I was applying for loans a few years ago, the broker needed everything from me. Not just tax returns, he also wanted bank statements, 401k statements, P&L, pee in a cup, and even all of my check stubs that I had luckily saved from all my clients’ payments. This was at the peak of the bubble, but the broker I was using knew what was coming and he actually did his due diligence. Luckily I didn’t buy (due in part to this board).

I’d imagine that it would be much more difficult for me to get a loan in today’s environment even despite the fact that I have a larger down payment and that my income has actually gone up and gotten more stable.

[afx114]

I am self-employed, and when I was applying for loans a few years ago, the broker needed everything from me. Not just tax returns, he also wanted bank statements, 401k statements, P&L, pee in a cup, and even all of my check stubs that I had luckily saved from all my clients’ payments. This was at the peak of the bubble, but the broker I was using knew what was coming and he actually did his due diligence. Luckily I didn’t buy (due in part to this board).

I’d imagine that it would be much more difficult for me to get a loan in today’s environment even despite the fact that I have a larger down payment and that my income has actually gone up and gotten more stable.

[afx114]

I am self-employed, and when I was applying for loans a few years ago, the broker needed everything from me. Not just tax returns, he also wanted bank statements, 401k statements, P&L, pee in a cup, and even all of my check stubs that I had luckily saved from all my clients’ payments. This was at the peak of the bubble, but the broker I was using knew what was coming and he actually did his due diligence. Luckily I didn’t buy (due in part to this board).

I’d imagine that it would be much more difficult for me to get a loan in today’s environment even despite the fact that I have a larger down payment and that my income has actually gone up and gotten more stable.

[afx114]

I am self-employed, and when I was applying for loans a few years ago, the broker needed everything from me. Not just tax returns, he also wanted bank statements, 401k statements, P&L, pee in a cup, and even all of my check stubs that I had luckily saved from all my clients’ payments. This was at the peak of the bubble, but the broker I was using knew what was coming and he actually did his due diligence. Luckily I didn’t buy (due in part to this board).

I’d imagine that it would be much more difficult for me to get a loan in today’s environment even despite the fact that I have a larger down payment and that my income has actually gone up and gotten more stable.

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I am curious about all of these people who have stopped paying their mortgage and are still living in their house. Is this really a popular phenomenon? Who are these people? And are they really spending their mortgage money on Outback Steakhouse dinners and new purses?

Maybe I’m just naive, but I have a hard time seeing this being the huge phenomenon that it is portrayed here on this board. I’m sure there are a few deadbeats that actually do crap like this, but the way some of you describe it makes it sound like PF Changs would be out of business if it weren’t for these people. That seems unbelievable to me. I think that PF Changs is staying in business due to people who don’t want to live without the ‘life of luxury’ that they got used to during the boom years. People who are still paying their mortgage, but are still racking up the debt on their credit cards — not deadbeat mortgage holders.

I know that if I was in their situation and I knew that I could be kicked out of my house at any moment, I wouldn’t be blowing my savings on nice dinners and flat screens. I’d be saving like a madman.

So can someone with more knowledge on the subject explain whether this is a true phenomenon, or whether people are using it for dramatic effect in their arguments?

[afx114]

I am curious about all of these people who have stopped paying their mortgage and are still living in their house. Is this really a popular phenomenon? Who are these people? And are they really spending their mortgage money on Outback Steakhouse dinners and new purses?

Maybe I’m just naive, but I have a hard time seeing this being the huge phenomenon that it is portrayed here on this board. I’m sure there are a few deadbeats that actually do crap like this, but the way some of you describe it makes it sound like PF Changs would be out of business if it weren’t for these people. That seems unbelievable to me. I think that PF Changs is staying in business due to people who don’t want to live without the ‘life of luxury’ that they got used to during the boom years. People who are still paying their mortgage, but are still racking up the debt on their credit cards — not deadbeat mortgage holders.

I know that if I was in their situation and I knew that I could be kicked out of my house at any moment, I wouldn’t be blowing my savings on nice dinners and flat screens. I’d be saving like a madman.

So can someone with more knowledge on the subject explain whether this is a true phenomenon, or whether people are using it for dramatic effect in their arguments?

[afx114]

I am curious about all of these people who have stopped paying their mortgage and are still living in their house. Is this really a popular phenomenon? Who are these people? And are they really spending their mortgage money on Outback Steakhouse dinners and new purses?

Maybe I’m just naive, but I have a hard time seeing this being the huge phenomenon that it is portrayed here on this board. I’m sure there are a few deadbeats that actually do crap like this, but the way some of you describe it makes it sound like PF Changs would be out of business if it weren’t for these people. That seems unbelievable to me. I think that PF Changs is staying in business due to people who don’t want to live without the ‘life of luxury’ that they got used to during the boom years. People who are still paying their mortgage, but are still racking up the debt on their credit cards — not deadbeat mortgage holders.

I know that if I was in their situation and I knew that I could be kicked out of my house at any moment, I wouldn’t be blowing my savings on nice dinners and flat screens. I’d be saving like a madman.

So can someone with more knowledge on the subject explain whether this is a true phenomenon, or whether people are using it for dramatic effect in their arguments?

[afx114]

I am curious about all of these people who have stopped paying their mortgage and are still living in their house. Is this really a popular phenomenon? Who are these people? And are they really spending their mortgage money on Outback Steakhouse dinners and new purses?

Maybe I’m just naive, but I have a hard time seeing this being the huge phenomenon that it is portrayed here on this board. I’m sure there are a few deadbeats that actually do crap like this, but the way some of you describe it makes it sound like PF Changs would be out of business if it weren’t for these people. That seems unbelievable to me. I think that PF Changs is staying in business due to people who don’t want to live without the ‘life of luxury’ that they got used to during the boom years. People who are still paying their mortgage, but are still racking up the debt on their credit cards — not deadbeat mortgage holders.

I know that if I was in their situation and I knew that I could be kicked out of my house at any moment, I wouldn’t be blowing my savings on nice dinners and flat screens. I’d be saving like a madman.

So can someone with more knowledge on the subject explain whether this is a true phenomenon, or whether people are using it for dramatic effect in their arguments?

[afx114]

I am curious about all of these people who have stopped paying their mortgage and are still living in their house. Is this really a popular phenomenon? Who are these people? And are they really spending their mortgage money on Outback Steakhouse dinners and new purses?

Maybe I’m just naive, but I have a hard time seeing this being the huge phenomenon that it is portrayed here on this board. I’m sure there are a few deadbeats that actually do crap like this, but the way some of you describe it makes it sound like PF Changs would be out of business if it weren’t for these people. That seems unbelievable to me. I think that PF Changs is staying in business due to people who don’t want to live without the ‘life of luxury’ that they got used to during the boom years. People who are still paying their mortgage, but are still racking up the debt on their credit cards — not deadbeat mortgage holders.

I know that if I was in their situation and I knew that I could be kicked out of my house at any moment, I wouldn’t be blowing my savings on nice dinners and flat screens. I’d be saving like a madman.

So can someone with more knowledge on the subject explain whether this is a true phenomenon, or whether people are using it for dramatic effect in their arguments?

[afx114]

I wonder how Texas would feel if we pulled all of the federal aid they receive. Pull out the border patrol, all federal troops, close down all federal bases, close down the Johnson Space center, stop hurricane relief aid rebuilding efforts, and “build the fence!” between Texas and the rest of the United States. Does Texas think that we’d let any water from the Rio Grande go beyond Las Cruces? Do they have the money and the manpower to enforce the border with Mexico? I hate to break it to them, but a bunch of Minutemen in RVs building chain link fences isn’t going to do the job. Is this really the road that Texas wants to go down?

Nate Silver did an analysis of what the electoral college would look like if Texas succeeded, and the results aren’t pretty for the GOP: http://www.fivethirtyeight.com/2009/04/hey-rick-can-we-talk.html

Could you imagine the outrage if California or Massachusetts had threatened succession under Bush? We wouldn’t have heard the end of it from Rush, Coulter, and DeLay. Treason, terrorists, and gay heathens is what they’d be calling us.

I say let us keep Austin, the rest can go.

[afx114]

I wonder how Texas would feel if we pulled all of the federal aid they receive. Pull out the border patrol, all federal troops, close down all federal bases, close down the Johnson Space center, stop hurricane relief aid rebuilding efforts, and “build the fence!” between Texas and the rest of the United States. Does Texas think that we’d let any water from the Rio Grande go beyond Las Cruces? Do they have the money and the manpower to enforce the border with Mexico? I hate to break it to them, but a bunch of Minutemen in RVs building chain link fences isn’t going to do the job. Is this really the road that Texas wants to go down?

Nate Silver did an analysis of what the electoral college would look like if Texas succeeded, and the results aren’t pretty for the GOP: http://www.fivethirtyeight.com/2009/04/hey-rick-can-we-talk.html

Could you imagine the outrage if California or Massachusetts had threatened succession under Bush? We wouldn’t have heard the end of it from Rush, Coulter, and DeLay. Treason, terrorists, and gay heathens is what they’d be calling us.

I say let us keep Austin, the rest can go.

[Author]

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