[patientrenter]

davelj, I have been investing for the last few years in mostly very small stocks, finding that the smallest are amongst the best. I am focused on 4%+ dividends, and like conservative banks. amongst many other types of company.

I am curious about your investment partnership. Would you be interested in sending me some info? I am an accredited investor.

Thanks,
Patient renter in OC

[patientrenter]

davelj, I have been investing for the last few years in mostly very small stocks, finding that the smallest are amongst the best. I am focused on 4%+ dividends, and like conservative banks. amongst many other types of company.

I am curious about your investment partnership. Would you be interested in sending me some info? I am an accredited investor.

Thanks,
Patient renter in OC

[patientrenter]

davelj, I have been investing for the last few years in mostly very small stocks, finding that the smallest are amongst the best. I am focused on 4%+ dividends, and like conservative banks. amongst many other types of company.

I am curious about your investment partnership. Would you be interested in sending me some info? I am an accredited investor.

Thanks,
Patient renter in OC

[patientrenter]

davelj, I have been investing for the last few years in mostly very small stocks, finding that the smallest are amongst the best. I am focused on 4%+ dividends, and like conservative banks. amongst many other types of company.

I am curious about your investment partnership. Would you be interested in sending me some info? I am an accredited investor.

Thanks,
Patient renter in OC

[patientrenter]

Peace, You mentioned “normally” contributing for 2 years at a time. If you do that ever year, you’ll end up contributing twice what you are allowed.

I haven’t talked with Rich or his colleagues, but it might be a good idea to sign up for a session with them, after you finish this year’s taxes, as someone else suggested. I would if I were in your shoes. It sounds like you need professional help on your tax, and maybe other, financial planning.

I have a family history of Alzheimers too, and forget too much already, so I know how you feel.

Patient renter in OC

[patientrenter]

Peace, You mentioned “normally” contributing for 2 years at a time. If you do that ever year, you’ll end up contributing twice what you are allowed.

I haven’t talked with Rich or his colleagues, but it might be a good idea to sign up for a session with them, after you finish this year’s taxes, as someone else suggested. I would if I were in your shoes. It sounds like you need professional help on your tax, and maybe other, financial planning.

I have a family history of Alzheimers too, and forget too much already, so I know how you feel.

Patient renter in OC

[patientrenter]

Peace, You mentioned “normally” contributing for 2 years at a time. If you do that ever year, you’ll end up contributing twice what you are allowed.

I haven’t talked with Rich or his colleagues, but it might be a good idea to sign up for a session with them, after you finish this year’s taxes, as someone else suggested. I would if I were in your shoes. It sounds like you need professional help on your tax, and maybe other, financial planning.

I have a family history of Alzheimers too, and forget too much already, so I know how you feel.

Patient renter in OC

[patientrenter]

Peace, You mentioned “normally” contributing for 2 years at a time. If you do that ever year, you’ll end up contributing twice what you are allowed.

I haven’t talked with Rich or his colleagues, but it might be a good idea to sign up for a session with them, after you finish this year’s taxes, as someone else suggested. I would if I were in your shoes. It sounds like you need professional help on your tax, and maybe other, financial planning.

I have a family history of Alzheimers too, and forget too much already, so I know how you feel.

Patient renter in OC

[patientrenter]

Peace, You mentioned “normally” contributing for 2 years at a time. If you do that ever year, you’ll end up contributing twice what you are allowed.

I haven’t talked with Rich or his colleagues, but it might be a good idea to sign up for a session with them, after you finish this year’s taxes, as someone else suggested. I would if I were in your shoes. It sounds like you need professional help on your tax, and maybe other, financial planning.

I have a family history of Alzheimers too, and forget too much already, so I know how you feel.

Patient renter in OC

[patientrenter]

FNMA and Freddie don’t have nearly enough capital to cover their losses from the kind of downturn we all talk about here on Piggington. As the prior poster pointed out, it’s easy to get around the new rules, so everyone will. FNMA and Freddie aren’t dumb, so they know that.

I think there are folks at those organizations who think the market will start going back up again in 2009 or so, before they’re wiped out. These folks think the new rules won’t have to bite because all will be well once the market starts to go back up again. All will be forgiven. In the meanwhile, they get credit for appearing to be tough now.

Other folks at Fannie and Freddie see what we see, and know that the organization will be bailed out, but maybe not the stockholders. In their eyes, there’s no benefit in coming up with rules that actually bite, and actually save money, because the govt will end up having to cover all actual losses in excess of shareholder equity. So they just announce stuff to make themsleves sound prudent enough to deserve the bailout when it comes.

For heaven’s sake, these organizations are still lending 80% or more of home prices that are still multiples of the inflation-adjusted prices at the low point (1996) of the last cycle. They obviously aren’t trying to match their risk management practices to the risks we see.

Patient renter in OC

[patientrenter]

FNMA and Freddie don’t have nearly enough capital to cover their losses from the kind of downturn we all talk about here on Piggington. As the prior poster pointed out, it’s easy to get around the new rules, so everyone will. FNMA and Freddie aren’t dumb, so they know that.

I think there are folks at those organizations who think the market will start going back up again in 2009 or so, before they’re wiped out. These folks think the new rules won’t have to bite because all will be well once the market starts to go back up again. All will be forgiven. In the meanwhile, they get credit for appearing to be tough now.

Other folks at Fannie and Freddie see what we see, and know that the organization will be bailed out, but maybe not the stockholders. In their eyes, there’s no benefit in coming up with rules that actually bite, and actually save money, because the govt will end up having to cover all actual losses in excess of shareholder equity. So they just announce stuff to make themsleves sound prudent enough to deserve the bailout when it comes.

For heaven’s sake, these organizations are still lending 80% or more of home prices that are still multiples of the inflation-adjusted prices at the low point (1996) of the last cycle. They obviously aren’t trying to match their risk management practices to the risks we see.

Patient renter in OC

[patientrenter]

FNMA and Freddie don’t have nearly enough capital to cover their losses from the kind of downturn we all talk about here on Piggington. As the prior poster pointed out, it’s easy to get around the new rules, so everyone will. FNMA and Freddie aren’t dumb, so they know that.

I think there are folks at those organizations who think the market will start going back up again in 2009 or so, before they’re wiped out. These folks think the new rules won’t have to bite because all will be well once the market starts to go back up again. All will be forgiven. In the meanwhile, they get credit for appearing to be tough now.

Other folks at Fannie and Freddie see what we see, and know that the organization will be bailed out, but maybe not the stockholders. In their eyes, there’s no benefit in coming up with rules that actually bite, and actually save money, because the govt will end up having to cover all actual losses in excess of shareholder equity. So they just announce stuff to make themsleves sound prudent enough to deserve the bailout when it comes.

For heaven’s sake, these organizations are still lending 80% or more of home prices that are still multiples of the inflation-adjusted prices at the low point (1996) of the last cycle. They obviously aren’t trying to match their risk management practices to the risks we see.

Patient renter in OC

[patientrenter]

FNMA and Freddie don’t have nearly enough capital to cover their losses from the kind of downturn we all talk about here on Piggington. As the prior poster pointed out, it’s easy to get around the new rules, so everyone will. FNMA and Freddie aren’t dumb, so they know that.

I think there are folks at those organizations who think the market will start going back up again in 2009 or so, before they’re wiped out. These folks think the new rules won’t have to bite because all will be well once the market starts to go back up again. All will be forgiven. In the meanwhile, they get credit for appearing to be tough now.

Other folks at Fannie and Freddie see what we see, and know that the organization will be bailed out, but maybe not the stockholders. In their eyes, there’s no benefit in coming up with rules that actually bite, and actually save money, because the govt will end up having to cover all actual losses in excess of shareholder equity. So they just announce stuff to make themsleves sound prudent enough to deserve the bailout when it comes.

For heaven’s sake, these organizations are still lending 80% or more of home prices that are still multiples of the inflation-adjusted prices at the low point (1996) of the last cycle. They obviously aren’t trying to match their risk management practices to the risks we see.

Patient renter in OC

[patientrenter]

FNMA and Freddie don’t have nearly enough capital to cover their losses from the kind of downturn we all talk about here on Piggington. As the prior poster pointed out, it’s easy to get around the new rules, so everyone will. FNMA and Freddie aren’t dumb, so they know that.

I think there are folks at those organizations who think the market will start going back up again in 2009 or so, before they’re wiped out. These folks think the new rules won’t have to bite because all will be well once the market starts to go back up again. All will be forgiven. In the meanwhile, they get credit for appearing to be tough now.

Other folks at Fannie and Freddie see what we see, and know that the organization will be bailed out, but maybe not the stockholders. In their eyes, there’s no benefit in coming up with rules that actually bite, and actually save money, because the govt will end up having to cover all actual losses in excess of shareholder equity. So they just announce stuff to make themsleves sound prudent enough to deserve the bailout when it comes.

For heaven’s sake, these organizations are still lending 80% or more of home prices that are still multiples of the inflation-adjusted prices at the low point (1996) of the last cycle. They obviously aren’t trying to match their risk management practices to the risks we see.

Patient renter in OC

[patientrenter]

I couldn’t give a rat’s ass about the political tripe that gets debated on various blogs, but hearing McCain sound a note of caution, limits, and personal responsibility on the housing bubble problems was so refreshing and unusual that I have decided who would get my vote this year.

Patient renter in OC

[Author]

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