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From : nathan w colliernathan w collier

Q: tbone wrote once again miles you dont seem to see the big picture. the housing bubble and its aftermath is the reason for our current bad economy which is every bit as bad as the suggests for the majority of people bull. you seem to be of the type that believes the medias overblown talk about foreclosures being off the chart. in reality the foreclosures deal with subprime loans. they make up less than 5% of the mortgage market. where do you come up with these bullshit numbers maybe a long. long long time ago that may have been a valid number it was far from it during the housing bubble. if we are only talking about 5% why are the banks in such bad shape next realize most that are going through foreclosure were perfectly capable of making the payments. they bailed because it was a financially good thing for them to do when they ended up owing far more than the house is worth. take a hit on their credit record put down 20% on a new home at far less than their prior one and they come out ahead. where do you come up with this complete horseshit if you really think that it works that way or is that simple then you know far less than even i accuse you of. if you stop making payments they will simply begin hitting your credit rating for late and missing payments and begin assessing fines against you for late and missed payments. if you continue not to pay and dont pay the fines then they will take you to court and sue the money out of you. now a person could get out of much of that by declaring bankruptcy but that would be hard to do for a person who as you claim were perfectly capable of making the payments. not to mention that the credit hit along with the caution the banks are now taking against risk would prevent them from buying anything for the next 20 years especially since it would be on record that they defaulted on a loan that they could afford. the idiots who decided to go with the subprimes and the lenders who sold them are to blame and should both take the fall without government bailing the lenders out. lol and who exactly are the idiots that decided to go with subprimes do you even know what that means many of these people were conned into getting slimy loans that they didnt understand that quickly turned into loans that they couldnt afford. the real cause of the bubble were speculators that were buying homes site unseen to hold for a short time and sell at a high profit that drove the prices up to unrealistic levels. as for the lenders taking the fall without help while i agree with you in principle if that were done this country would have gone into a full depression rather than a recession and you my friend would probably be out of business. -- if at first you dont succeed youre not cut out for skydiving .

Replies:

From : nathan w collier

sorry miles but that is how it is adjusted and if you think different post some proof for a change. -- if at first you dont succeed youre not cut out for skydiving tbone wrote they are based on people in the work force employed long enough to collect unemployment insurance you really believe unemployment rates are computed mostly from unemployment insurance tallies sigh....it has little to do with it. .

From : tom lawrence

tbone wrote lol i think that the real problem that you are having is the salary that you are willing to pay for the work that you want done. you know that how besides salaries arent mentioned until someone applies and is interviewed etc. benefit packages are negotiable. that and the fact that your company is in the friggen desert and not everyone wants to live there. hate to tell ya but phoenix has been one of the fastest growing areas in the country. .

From : tom lawrence

hows that for a subject lol! i went to a us forest service auction on thursday and bought two crated trannies for the m880 or w-200 if you prefer. both trannies are still encased in foam and crated so i cant see whats in there. ok its stupid. well sort of...but id just as soon keep them crated. all i have is the nsn on the side of the crates and they both say 2520-01-119-3482. can i assume these are both 727s or are they standard trannies. i don know.... any brainiacs out here thank you. steve in lincoln mt .

From : nathan w colliertom lawrencetom lawrence

tbone wrote and dont believe everything you see on fox either. nor cnn cbs abc nbc etc. none are the truth. theyre what they want you to believe. the weak minded buy it. lol get real miles. -- if at first you dont succeed youre not cut out for skydiving .

From : nosey

the fact is the economy is doing fine. actually no it isnt. down a bit but not terrible at all. lol i guess that depends on your definition of terrible. the real killer is the fuel prices not the housing market. i agree that fuel prices are making things much worse. and yep thats all tied back to the housing market. first you say that the housing market is not to blame and then you tie the blame to the housing market. please make up your mind. but the economy and the stock market havent crashed just the housing market. just because the economy hasnt crashed doesnt make it good for everyone or even most people. as for the stock market in todays global economy the stock market is more based on the world economy not the us economy. dont believe everything you read in the papers. and dont believe everything you see on fox either. -- if at first you dont succeed youre not cut out for skydiving .

From : tom lawrence

tbone wrote lol i think that the real problem that you are having is the salary that you are willing to pay for the work that you want done. you know that how by talking to you here and reading what you believe. you seem to think that someone starting should have to work up to a living wage not start at one and work up to a comfortable living. besides salaries arent mentioned until someone applies and is interviewed etc. and thats probably another problem because when i was looking for work it seemed that the ones not putting a salary range in job posting usually were on the low side. not all of the time but most of it. benefit packages are negotiable. iow get them in for the lowest cost possible. the fact is miles that there are many people out there but they want or need more than people like you are willing to pay them. what is your general salary range for the positions you are looking to fill miles that and the fact that your company is in the friggen desert and not everyone wants to live there. hate to tell ya but phoenix has been one of the fastest growing areas in the country. it was. not so much now and fast growth is a major negative where you live. either way phoenix is a somewhat expensive area to live in and that climate pulls in a very specific type of person and maybe not the type of people that you need or ones willing to work there for the salary you are offering. ill tell you what miles if you are uncomfortable listing salary ranges here tell me what kind of lifestyle could a married employee with 2 kids living in the phoenix area talking one of these jobs that you are offering have on the low end of the benefits package you are offering. what about the high end -- if at first you dont succeed youre not cut out for skydiving .

From : optimabatterystorenathan w collier

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From : nosey

tbone wrote they are based on people in the work force employed long enough to collect unemployment insurance you really believe unemployment rates are computed mostly from unemployment insurance tallies sigh....it has little to do with it. .

From : tom lawrence

tbone wrote that 5% is a bullshit number. it is based on the amount of people looking for employment that are on unemployment insurance. wrong tbone. once again youve fallen for myths youve been told devoid of facts. by far the number is derived mostly from labor force sample surveys because they are far more accurate than unemployment insurance figures or employment office stats. unemployment claims rank pretty low in figuring unemployment. why because in order to compute unemployment you also have to figure the total work force. unemployment claims do not do that. look it up before repeating a very well worn out myth. sorry miles but the one spouting myths and bullshit here is you. i looked this up on the gov sites. why dont you give it a try sometime. they make an initial assessment of the total work force and the number of unemployed from the national census and then the workforce number is maintained based on birth rate age of the work force people that will actively look for employment retirement age and many of these are based on assumptions that are no longer valid. as for the unemployment figure that is primarily figured on the number of people applying for unemployment insurance with the now invalid assumption that most of them will find another job before or shortly after their insurance runs out and those that dont simply are no longer looking for work and are removed from the work force number. another assumption is that most will be able to find a job and keep it long enough to be eligible for unemployment insurance and that is also far less valid than it used to be. you talk about labor force surveys which are complete crap. who exactly do they go to and when -- if at first you dont succeed youre not cut out for skydiving .

From : nosey

tbone wrote where do you come up with this complete horseshit if you really think that it works that way or is that simple then you know far less than even i accuse you of. if you stop making payments they will simply begin hitting your credit rating for late and missing payments and begin assessing fines against you for late and missed payments. if you continue not to pay and dont pay the fines then they will take you to court and sue the money out of you. lol you have no clue! the same thing happened in the 1980s when people took out high interest mortages thanks carter!. when the rates dropped under reagan they bailed took a hit on their credit and bought a new house. i did it and so did many others. your bs above is from someone who has no clue. take you to court lol. guess this whole foreclosure thing really is bogus since these homeowners are simply being sued instead. lol and who exactly are the idiots that decided to go with subprimes do you even know what that means many of these people were conned into getting slimy loans that they didnt understand that quickly turned into loans that they couldnt afford. many of these people took a subprime not because of bad credit or low income. they took it because it allowed them to buy a far larger home than they could otherwise. now they are facing reality from their own stupid decision. yes i blame the lenders too for conning them into buying more than they could afford. .