Dear Annie

The evolution of a neighborhood.

Stage 1 - Neighborhood is comprised of old white folk

Stage 2 - Old White folk die or move into old age homes. Minorities move in.

Stage 3 - crime rises and levels off. Neighborhood becomes unsavory and drives any remaining white folk running and screaming away.

Stage 4 - artists and musicians looking for a cheap place to live so they can work and sell their art/music come in. They don't mind the Chanbergs lurking about and staring at them while fingering a knife.

Stage 5 - The artist/musician scene makes the area "hip and happ'nin'". Yuppies move in to bask in the aura of hipness and happeningness.

Stage 6- Yuppies increase the value of the area as they push baby carriages around and fancy stores open up to cater to this new monied class that abounds here. Minorities and Chanbergs are driven off due to the higher rents.

Reset to stage 1- Yuppies grow old and their children have run off to the next new hip area to live in. Repeat cycle...

[www.abc.net.au]

So then basically they made a deal thinking that they were going to make more money the longer they were at their jobs etc. It might have even worked out that way if our country hadn't gone into a recession. Then again, this isn't the only recession. There was a real estate problem a decade or so ago if I remember right. My cousin was into real estate at the time and nearly lost his shirt but I guess he wasn't too stupid because he somehow pulled through it.

At the same time - let's talk about rent. I don't think there is even the smallest justification for the outrageous increase in rent in NYC. I mean sure - you wanna build a high rise and give everybody a huge terrace and supply your renters with the best for the kitchen and bath - perfectly done wooden floors - everything REALLY sealed off from the neighbors - okay - they're justified in asking for two or three thousand a month or even more depending on how many rooms. But take my building - there's no elevator. They haven't supplied the new tenants with anything half decent - it's all the landlord specials - cheap stove, cheap fridge, cheap everything - walls don't even meet the floors and there's big cracks for things to seep through including cooking odors and all that.
The building is basically still looking like it always has - pretty run down in the hallways.

These kinds of landlords don't deserve to charge the same as high rises are charging but it's pretty close. And why is this?

The bars and clubs on the LES attract them I guess. Otherwise, I don't really understand the draw here.

What used to be here is gone now. The very things they moved here to have is what THEY drove out.

Sigh.

I reckon Argvs hate his mother because she was the one that broke things off with his daddy and ran off to a fancy city to learn fancy ways and to cavort with fancy men.

Meanwhile Argvs's dad is crying into his beer and schleppin' 'round the old neighborhood being laughed at by the townfolk about how his wife done ran off to learn fancy ways and do fancy things with fancy people.

An age old tale of love and loss...

Dear Annie

You really should pay attention when Argvs speaks/writes, otherwise he might get offended...

Anyway...

He has written many times how he hates his momma. All because she made him rub Mr. Lumpy...oh wait, that is Jim's version of Argvs's life...

Anyway Argvs hates his mother because she made him take a bath every other day as a kid and refused to allow him to stab himself with pickled asparagus or something...

Weird family.

Cheap mortgages?

Limey, the problem here has nothing to do with the cheapness of the mortgages, its people getting in over their heads and not realizing the reality of the things they are agreeing to. In fact, had the mortgages been cheaper more folks would still be in their homes.

People too stupid to not know what they're getting into are too stupid to own a house to begin with.

I thought you were being ganted so I check the post about your mom and was surprised to find that you did indeed write it.

You've never indicated that you're angry with your mom before.

I'm hoping that's just a really bad joke.

"...I do agree that if people moved into really huge homes they couldn't afford - it was rather stupid of them and if they're going to have to move back into smaller homes - not so terrible. It's those who are possibly going to wind up in a shelter or homeless that I feel for..."

It has nothing to do with the size of their huge homes, it has to do with what you can afford to pay. if you can afford 50k of house but went for the 100k house instead, you're just as screwed and stupid as the guy who could afford 300k but went for the 500k instead.

And secondly, NOBODY forced these people to buy homes they couldn't afford. Anne, I was offered a home loan, and got approved over the phone for nearly 5 times my income. Any person with a head on their shoulders, whether they're making 30k a year or 150k per year, should know better than to get that far over their head, hell, even a moron buying a house who take 5 or 10 minutes to learn about home loans knows you generally don't go over 3x your yearly salary under normal circumstances.

and ARM mortgages? Same thing, you'd have to be dumb to get one of those things, they sell them to you because you pay what you can afford now and in a few years you'll be making more and will be able to pay more in the future on your house. Hell, when I get a raise the last thing I want to do is pass it along to the mortgage company, I want that cash to increase my qaulity of life. get a pool or a boat or a fast car or something.

Now Anne, I don't not blame the government for basically forcing banks to give loans to po folks and making this an ownership society, and I give some blame to the banks too, but this was everyone fault from the banks to the government right down to the dumb folks who couldn't afford their homes.

And for the record, most forclosed homes are not old folks whose deceased husbands died with a mortgage for health bills, most of them are selfless bastards who got in over their heads.

Dear Anne, Good Evening!

Foreclosures..

A bunch of greedy bastards taking people's homes off them after trying to sell them cheap mortgages...

I find no fault in what you've done regarding those foreclosure homes. That's a bit different than what I was thinking about.

I do agree that if people moved into really huge homes they couldn't afford - it was rather stupid of them and if they're going to have to move back into smaller homes - not so terrible. It's those who are possibly going to wind up in a shelter or homeless that I feel for.

At the same time - what about putting some of the responsibility for this where it belongs - on the shoulders of the creeps who deliberately came up with those plans to entice people and get them in over their heads?

I think they are also to blame. Really - WHY did they lure people in like that?
They had no idea this was what would happen - that this would be the eventual result?

They are also responsible for the current state of our country's gloomy financial affairs.

Jun 30 1520

After looting Tenochtitlan, Spaniards are attacked by an angry Aztec mob. Tied down by armor and treasure, they are no match for the natives and nearly half of Cortes' men lose their lives.

Jun 30 1837

England outlaws the use of the pillory. Too bad.

Jun 30 1882

Charles Guiteau, the assassin of President Garfield, is hanged. Tickets for the event went for as much as $300.

Jun 30 1908

A huge airburst explodes over Podkamennaya Tunguska, Siberia, at 7:30 am. The blast flattens thousands of square miles of trees, and is now believed to have been caused by an asteroid or comet impact.

Jun 30 1934

Acting on behalf of the Fuhrer, SS troops around Germany arrest hundreds of loyal SA stormtroopers under the charge of treason in order to eliminate the group. One squad descends on a Bavarian resort, where it interrupts a contingent of SA men engaged in homosexual festivities. Lieutenant Edmund Heines is caught in bed with a teenage boy, and shot to death on the spot. The rest are taken into custody. The event will come to be known as The Night of the Long Knives.

Jun 30 1999

Two members of the Old Order Amish, Abner Stoltzfus and Abner Stoltzfus, are sentenced to one year in prison for trafficking cocaine to other Amish folk in Lancaster County, Pennsylvania. The men had scored their drugs from a Philadelphia motorcycle gang.

The McHubbard family reunion.

On one side you have Argvs's dad's family. The wife and her kids. On the other side you have Argvs's momma's husband looking fidgety and nervous amongst the Irish gathered to drink and make merry.

In the middle is Argvs and his bro and his family.

Too much drink later and Argvs has his mother's husband in a headlock while punching him repeatedly in the face and Argvs's bro is beating on his dad's new kids with a fan belt while the two are weeping about how they're screwed up because of the their parents.

Throw in a few stabbings and you have a Chanberg family gathering in the making...

Dear All, Good Evening!

Michael Sandel,( Harvard Professor of Government), delivered the annual Reith Lectures in London recently...

He seems to think that the citizens of the U.S.A...

Will come to recognise the benefits of universal health coverage, based on other models, (including Britain)...?

Argvs sure hates his momma.

Did she beat you with a fan belt? Tsk Tsk.

As me granpappy would say, "Switches and broom handles are ok, but when you go to the garage to get a fan belt, that is just child abuse..."

Please delete Post 12254. It is one of the vilest things I have ever read.

A bastard like that should not be allowed to breathe much less post his filth.

What a piece of shit; calling his mother a bitch.


The Demon Calibvrnvs Rex

my family reunion:

My mean mother steps, then says to me "Hi!!"

Decked mommy in the face and punched her in the eye,

Punched her in the belly and stepped on her feet,

Slammed the bitch on the hard concrete

Hey, how the heck do you hit the side of an apartment building while driving and checking a text message? I mean, I can see going off the road a bit, or hitting the car in front of you, but veering so far off the path of travel to hit a building?

[rivals.yahoo.com]

yeah, the trailer park on the way home boasts pre-owned trailers for $12,900 new from about $30,000. yeehaw!

Lets see, 135000 divided by 5 is $27k! sheet. you can't even get a 1 bedroom condo here for twice that.

very perceptive.

you always have to be skeptical when someone says "home" instead of house. A house has a pretty clear definition, whereas a home can be an apartment, townhouse, your moms basement, or the cardboard box under the freeway, which $510 a month sounds like a rip off there "Don W." FANNNNCCEEEEEEE!

re Is that a single wide or a double wide?

I know right.

I cain see plunking down a 135 grand for a foreclosed on home worth twice that much but 135 grand for housessssss?

5 doublewides for 135 grand is a good deal I reckon... I cain't see 5 houses going for 135 grand though...

re I paid $135.000 for all the homes and the bank will not try to get anything out of these people.

Where is this place? One horse, nowheresville, USA?

Homes, as in plural, for a measly 135 grand?

Indeed.

I agree, while it's sad that homes are being foreclosed on, it's up the people who bought them to understand the extra costs, AND RESPONSIBIITES, that come with home ownership.

The notion that these families should be allowed to live there for free is silly. If that's the case, why can't we all own homes we can't pay for?

Don.... you're dong nothing wrong, in fact, by allowing those people to remain there is actually a good thing.

People, you have no right to home ownership... if you can't pay, you lose.
I'd like a Ferrari... but I can't afford one, even though I've got a credit line that would allow me to obtain one... so guess what I? I live within my means...

It's a plan soooo crazy, it just might work.

People need to learn that just because you WANT a house or a car, that doesn't mean you're entitled to have them. You must EARN them. You must PAY for them.

Until we get healthcare costs under control, America will never be sound again. Christ, even the WALL STREET JOURNAL has admitted as much.

"...One family told me that my rental was better then what they were paying $600.00 a month for. Their rent to me-$510.00 per month..."

$510 per month?

Is that a single wide or a double wide?

I can see the feelings of Cathy and Anne about buying foreclosure homes. BUT...the homes are already out off the people hands that bought them and then couldn't pay, for whatever reason, the monthly cash outlay. What some people don't realize is the fact that when buying a place other cost have to be figured into the total monthly cash out lay, Property tax, Insurance, Utilities, Upkeep and little things that pop-up during the month. All of a sudden that house payment goes up by another third because of the things I have listed. I purchased 5 foreclosed houses in March. I went to the bank and ask to see what they had. The were sitting on 18 pieces of properties. I then ask how many still had families living in them. 9 did. I went a looked at all 18 and picked the ones that I was interested in. 3 of them were still occupied. All 5 homes were in excellent shape. I went a talked with the three families to see if they would be interested in staying and renting from me. I told them that they could stay and their rent would the same as what their house payment was. They all were very happy and really relieved over the whole situation. 2 of three had children while the other couple had been married only 2 years and wanted to start a family but the foreclosure had put that idea on the back burner. Everyone of these families are hardworking good people that basically overextended themselves.
I got a great deal from the bank as they wanted to get the properties off their books. I paid $135.000 for all the homes and the bank will not try to get anything out of these people. That is one thing I emphasized with the bank. My deal with them was clearing up everything with these properties.

The other 2 homes have been rented out already to families that did lose their homes through foreclosure. One family told me that my rental was better then what they were paying $600.00 a month for. Their rent to me-$510.00 per month.

I feel that I have done the right thing. I know of 5 families that have a roof over their heads and can afford the rent that I am charging. I have a cash flow of $2450.00 coming in every month and that is fine with me. I put $300.00 per month aside in a upkeep fund for the properties. I don't think I will have to worry about spending alot on fixing up anything as they all have been upgraded.

I needed to invest some of my assets to get some tax breaks. I have got a ten year deferral on property taxes and the insurance was bought with a blanket policy that insures all of the houses and properties. As it is right now my expense is around $9000.00 a year which gives me a net payback of $20,400.00 per year. This is actually better than I thought I would get when I first started thinking about this venture.

When I kick the bucket my daughter will get these properties and I think she will really come out good. She can keep, sell or do what she wants to.

Don W.

Knowing too little is dangerous, but knowing too much is even more dangerous...Acting on that knowledge, downright lethal...

This might be the reason my days are number and it is drawing nigh.

The Demon Calibvrnvs Rex

PS - On the other hand, could it be that I have the mind that says, "I will take as many as I can with me?”

you are nothing but a nut moon. i have no idea what run down part of america you live in but the rest of us are doing fine. you're but an outcast in this new country. if you don't like it you could leave.

Man, "The Time Machine".

I must have seen that movie 25 years ago. Man am I dating myself. Crap no it was closer to 30 years, but I still remember the gist of that flick. I oughta netflix it sometime.

These people are taking Argvs's advice of eating a bucket of swine flu to heart...

Health experts are warning parents against holding "swine flu parties" in the hope of infecting their children with the H1N1 virus.

Talk of swine flu parties has emerged on Internet forums. The idea is that exposing a child to the H1N1 virus while it remains relatively mild will give the child immunity if the virus returns in a more virulent form later on.

The idea is an extension of chicken pox and measles parties that were once a popular way of exposing children to those diseases so that they might acquire resistance to subsequent infections.

But health officials have been quick to condemn the idea. Speaking at a conference, Dr Richard Jarvis, chairman of the British Medical Association's public health committee, said "I have heard of reports of people throwing swine flu parties. I don't think it is a good idea.

"Daito" wrote, "for the long weekend! I get the kids because the wife and her new boy toy are going way and I just waxed the belt!

I suggest taking an old car fanbelt and using that instead. I hear that it hurts like a sumbeech 'ccordin' to a former POW of the Hanoi Hilton...

Remember that scene from the "Time Machine" where the air raid alarms sound and the Eloi mindlessly shuffle towards the Morlock's slaughter houses because they have been conditioned to go underground in the event of an "air raid" for "safety"?

That is us.
Moo!

Mornin' Mornin'

Herr Waffen schwartzenfrauc wrote, "The sheeple are lead astray by rams and butchers and most do not care. As long as their senses are titillated, they are happy like fatten cows in the slaughtering house."

Ain't dat de troof!

A good 60%~75% of citizens in this country have no desire to educate themselves on matters of the nation. As long as the walmart prices on cheetoes is low and gas prices are not in the stratosphere folk'll be mooing as they move along content and oblivious.

To the slaughterhouse they go, fat and happy ... and clueless.

'course it is the smart cow who tries to escape from the death lines headed towards the slaughterhouse that is killed first, shot through the head because it is a dangerous cow who tries to jump the fence and knock the slaughterhouse workers down.

Knowing too little is dangerous, but knowing too much is even more dangerous...Acting on that knowledge, downright lethal...

you're nothing but a washed up nazi wanna be fraud. go spank your monkey to 'blacks are bad' stories on the internet, you uncle tom phony. we all know what you are, you are a fraud.

dinosaurs never walked the earth you say? go hate a jew, sicko.

My responses to certain posters here have gone into the toilet. I have made a promise to myself that never shall I be courteous, polite and gentile with these bastards. I will respond to them in any manner I choose and no amount of mea culpa will cause me to reassess my demeanor.

The Demon Calibvrnvs Rex

sucking, ass-fucked punk.

The mention of the NY Post article was in reference to one of the talk radio show hosts.

YOU are the one being disingenuous. I think you need to go back to school for some reading comprehension courses because you comprehension level is not up to par pal.


I have a suggestion for you. You go suck one of your boyfriends off or they suck you off, whatever you perverts do, and stay out of grown people's business.

The Demon Calibvrnvs Rex

Here is something to think about when negative people are doing their best to rain on your parade. Remember this story the next time someone who knows nothing (and cares less) tries to make your life miserable.


A woman was at her hairdresser's getting her hair styled for a trip to Rome with her husband. She mentioned the trip to the hairdresser, who responded:

" Rome ? Why would anyone want to go there? It's crowded and dirty. You're crazy to go to Rome . So, how are you getting there?"

"We're taking Continental," was the reply. "We got a great rate!"

"Continental?" exclaimed the hairdresser. "That's a terrible airline. Their planes are old, their flight attendants are ugly, and they're always late. So, where are you staying in Rome ?"

"We'll be at this exclusive little place over on Rome 's Tiber River called Teste."

"Don't go any further. I know that place. Everybody thinks it’s gonna be something special and exclusive, but it's really a dump."

"We're going to go to see the Vatican and maybe get to see the Pope."

"That's rich," laughed the hairdresser. You and a million other people trying to see him. He'll look the size o f an ant.

Boy, good luck on this lousy trip of yours. You're going to need it."

A month later, the woman again came in for a hairdo. The hairdresser asked her about her trip to Rome .

"It was wonderful," explained the woman, "not only were we on time in one of Continental's brand new planes, but it was overbooked, and they bumped us up to first class. The food and wine were wonderful, and I had a handsome 28-year-old steward who waited on me hand and foot.

And the hotel was great! They'd just finished a $5 million remodeling job, and now it's a jewel, the finest hotel in the city. They, too, were overbooked, so they apologized and gave us their owner's suite at no extra charge!"

"Well," muttered the hairdresser, "that's all well and good, but I know you didn't get to see the Pope."

"Actually, we were quite lucky, because as we toured the Vatican , a Swiss Guard tapped me on the shoulder, and explained that the Pope likes to meet some of the visitors, and if I'd be so kind as to step into his private room and wait, the Pope would personally greet me.

Sure enough, five minutes later, the Pope walked through the door and shook my hand! I knelt down and he spoke a few words to me."

"Oh, really! What'd he say?"


He said: "Who fucked up your hair?"


The Grimsweeper