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Archive for April 2010

Mobile home now paid in full…….

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One less personal debt to worry about and retirement just got a little closer. A few thousand more for credit cards and I’ll be set. Even though Patti has a student loan payment I’m sure we can afford $62 a month. I won’t pay it off because it’s her strongest credit reference. The payment amount is immaterial in FICO scoring. The older it is  (and as long as it’s never late,) the better.

In 2.5 years we’ve gone from homeless to middle class with a free and clear roof over our heads and I intend to stay that way at least until I’m debt free. However, this doesn’t mean I won’t borrow for investment or business purposes. If you go bust in a business it can be structured not to touch a home or retirement funds. And the easiest way to prevent going broke is not to carry personal debt!

I think I’ll be able to make $190 a month lot rent and maybe a hundred a month in utilities as fixed expenses. Even on Social Security. Not that I have a lot of faith in that check ever showing up.

Anyways, with a FICO score bumping 750  a debt to income ratio bumping 18% with 3 years on the job I’ll have lenders falling all over themselves to lend me money.

I’m still calling the bigger bust in 5 to 10 more years. It will be a killer with government debts world wide in the trillions.

Unless 2012 wipes us out, right?

Written by mrcauser

April 30, 2010 at 6:12 pm

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Another great example for not voting Republican…

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Another is all the nonsense of cutting off wasteful funding  to ……

Take your pick. If you vote you have to choose between to parties that lie consistently to the voters.

The Republican Party and Planned Parenthood « LewRockwell.com Blog

I have seen it reported in several places that Planned Parenthood, one of the world’s leading abortion providers, received government grants and contracts of $350 million for fiscal year 2007-2008 and $337 million for fiscal year 2006-2007. I verified this information for myself on the Planned Parenthood website. I also discovered that Planned Parenthood’s fiscal year ends on June 30. This means that Bush the Republican was the president during this time. But after doing a little digging, I also found out that Planned Parenthood received government grants and contracts of $305 million (34%) during fiscal year 2005-2006. During this time we not only had Bush the Republican president but also a Republican majority in Congress. Yet, Planned Parenthood was still funded. And we are supposed to take Republicans seriously when they complain that Obama isn’t likely to appoint an anti-abortion judge to the Supreme Court? Why wasn’t the Republican Party that concerned about abortion when clinics affiliated with Planned Parenthood performed 264,943 abortions in 2005?

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April 29, 2010 at 7:46 pm

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Am I psychic or what?……

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Na… All you need is a little memory and a small grasp of history. Our whole food production industry is controlled by 4 large companies and 4 others control the distribution. What’s more these companies are controlled by oil prices.

Oil is controlled by?

Daily Digest – Daily Digest – April 22 – Apr. 22, 2010 – Blogs at Chris Martenson – Daily Digest, Economy, Energy, environment

“WASHINGTON (AP) — Wholesale prices rose more than expected last month as food prices surged by the most in 26 years.

The Labor Department said the Producer Price Index rose by 0.7 percent in March, compared to analysts’ forecasts of a 0.4 percent rise. A rise in gas prices also helped push up the index.

Still, there was little sign of budding inflation in the report, which measures price changes before they reach the consumer. Excluding volatile food and energy costs, wholesale prices rose by 0.1 percent, matching analysts’ expectations.

Written by mrcauser

April 29, 2010 at 1:23 am

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Told you I was psychic didn’t I…..

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As I for told  last year or so the only thing that will save us debt moratorium. Looks like the courts are on it. That means if the gangsters can’t prove they own the note on your house, they eat it.

Works for me. Have to get rid of all those repos somehow without taking out the banking system. So the banks cover their losses by bailout money and tax gimmicks and the loans disappear.

Google Reader (1)

A colleague forwarded me an important decision this morning that has just been handed down by the DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA, Fourth District, that is extremely helpful to foreclosure victims in particular, or for others who want to challenge whether or not they are making payments to the “real party in interest,” i.e., the owner of their mortgage loan.

This decision is extremely important and should be utilized in all foreclosure matters whether in judicial or non-judicial foreclosure states. Without proper authentication and a full audit trail to prove who is the rightful owner and holder of the mortgage obligation, we are subjugating ourselves to a perpetual state of manipulation and fraud by the carpetbaggers and scallywags who are cleaning up the toxic waste dumped into our financial system by the derivatives mobsters. I particularly like the statement in the Decision:

As in BAC Funding Consortium, there are no supporting affidavits or deposition testimony in the record to establish that Aurora validly owns and holds the note and mortgage, no evidence of an assignment to Aurora, no proof of purchase of the debt nor any other evidence of an effective transfer. Thus, we reverse the summary judgment and remand for further proceedings.

This decision moves past the “Bogus Assignment” problem (a la the recently announced Department of Justice’s criminal investigation of Lender Processing Services and its subsidiary Docx, LLC) and focuses on the requirements of admissible evidence. This decision also harmonizes with the findings of fact and conclusions of law set forth in Massachusetts Land Court Judge Keith C. Long’s Memorandum in the U.S. Bank v. Ibanez and Wells Fargo Bank v. LaRace foreclosure cases.

By the way, the Massachusetts Land Court cases are on appeal before the Massachusetts Supreme Judicial Court. We are waiting for the Banks’ attorneys to file their Appellants’ briefs. Glenn F. Russell Jr. on behalf of the LaRaces, and Paul Collier on behalf of Mr. Ibanez will then have 30 days to write their Appellee briefs.

Written by mrcauser

April 27, 2010 at 7:15 pm

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The Empire never sleeps…..

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Our military-industrial complex rolls. No choice. Turn your back and let your guard down and the  natives fly airplanes into your financial center.

I predict that since Oba mama is playing ball with the Empire he’s a shoe in for 2012.  Expect 2011 to be a boom year. Of course, quite a few Dem’s are toast this year. Following the status quo means the left stays home this election cycle and they’ll be pissing in the wind moaning over “betrayal.”

They never learn!

oftwominds: My Country Went to Iraq and All I Got Was This Global Empire

Transcript (Three Days Of The Condor).

TURNER (REDFORD): Boy, what is it with you people? You think not getting caught in a lie is the same thing as telling the truth?

HIGGINS (ROBERTSON): No. It’s simple economics. Today it’s oil, right? In 10 or 15 years, food, or plutonium– and maybe even sooner. What do you think the people are going to want us to do then?

Ask them. Not now. Then. Ask them when they’re running out. Ask them when there’s no heat and they’re cold. Ask them when their engines stop.

Ask them when people who have never known hunger start going hungry. Want to know something? They won’t want us to ask them.

They’ll want us to get it for them.

So we went out and got it. As I described in The Fulcrum of the Mideast? (May 19, 2008) , the U.S. has neatly carved out a sphere of influence in the fulcrum of the mideast. Geography, demographics and energy will always dominate; please consider this map for clarification.

The U.S. Military is now another “tribe” in Iraq. It is a hyper-violent, resourceful tribe which made a number of beginner’s mistakes which have now been largely corrected, usually at the rank of Army or Marine captain–those officers on the ground who interact with other tribal leaders.

Written by mrcauser

April 25, 2010 at 4:57 pm

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Nice fairy tale…..

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Almost as bad as Jesus did it. You notice upon reading the following that he never explains where the gene could have come from or why wouldn’t the surviving moths be black and blend in and not be so easily eaten. All these explanations of evolution are simply a grasping at straws.

Not that the Bible does any better! So lay off the flame wars.

Introduction to Evolutionary Biology

The English moth, Biston betularia, is a frequently cited example of observed evolution. [evolution: a change in the gene pool] In this moth there are two color morphs, light and dark. H. B. D. Kettlewell found that dark moths constituted less than 2% of the population prior to 1848. The frequency of the dark morph increased in the years following. By 1898, the 95% of the moths in Manchester and other highly industrialized areas were of the dark type. Their frequency was less in rural areas. The moth population changed from mostly light colored moths to mostly dark colored moths. The moths’ color was primarily determined by a single gene. [gene: a hereditary unit] So, the change in frequency of dark colored moths represented a change in the gene pool. [gene pool: the set all of genes in a population] This change was, by definition, evolution.

The increase in relative abundance of the dark type was due to natural selection. The late eighteen hundreds was the time of England’s industrial revolution. Soot from factories darkened the birch trees the moths landed on. Against a sooty background, birds could see the lighter colored moths better and ate more of them. As a result, more dark moths survived until reproductive age and left offspring. The greater number of offspring left by dark moths is what caused their increase in frequency. This is an example of natural selection.

Populations evolve. [evolution: a change in the gene pool] In order to understand evolution, it is necessary to view populations as a collection of individuals, each harboring a different set of traits. A single organism is never typical of an entire population unless there is no variation within that population. Individual organisms do not evolve, they retain the same genes throughout their life. When a population is evolving, the ratio of different genetic types is changing — each individual organism within a population does not change. For example, in the previous example, the frequency of black moths increased; the moths did not turn from light to gray to dark in concert. The process of evolution can be summarized in three sentences: Genes mutate. [gene: a hereditary unit] Individuals are selected. Populations evolve.

Evolution can be divided into microevolution and macroevolution. The kind of evolution documented above is microevolution. Larger changes, such as when a new species is formed, are called macroevolution. Some biologists feel the mechanisms of macroevolution are different from those of microevolutionary change. Others think the distinction between the two is arbitrary — macroevolution is cumulative microevolution.

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April 25, 2010 at 2:00 am

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Did you ever wonder why your check didn’t go up ……

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If your check increase is based on the CPI it didn’t increase to keep up with inflation. The government cheated you out of it. Probably gave the money to the losers who didn’t pay for their house. Or gave it to the fat cat gangsters who make sure both political parties stay in charge.

Oh I forgot, you did get a couple of bucks in “stimulus money.” Now they have to raise your taxes to cover it. Kind of takes the thrill out of voting, doesn’t it?

Bet on it!

Food Costs up 2.4% In a Single Month

Since March 2009, the stocks and commodities have soared – and investors have been thrilled.

While many attribute this rise in valuations to economic recovery, some believe that rising costs are a direct result of the monetary expansion by the Federal Reserve, resulting in price inflation on certain goods, namely those assets such as commodities, which are not considered debt-based (i.e. cars, houses).

The Labor Department reports that prices in the month of March rose across the board:

There was little sign of budding inflation in the report. Excluding volatile food and energy costs, wholesale prices rose by 0.1 percent, matching analysts’ expectations.

Written by mrcauser

April 23, 2010 at 6:41 pm

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