Your proposed solution to lying and thievery is to be even bigger thieves and liars, and I’m the “waste of time”.
Blaise was harsh DD but lets not be hyperbolic. Defaulting on a mortgage is not lying or theft. The option to default is implicit in the mortgage, that's why they get the property. Heck, upstanding corporations routinely strategically default on debt and enter in bankruptcy to screw creditors and shed debts. It's certainly bad to jump out of your mortgage (and you pay for it on your credit score for years after) but it's not theivery.
To add to what DD is syaing always remember that cash out refi's or home equity lines are always respecitvely usually and always recourse regardless of the state. Be careful.
Just to make sure useful information is getting out on this subject (it is capital I important):
The following states are non-recourse states. If you walk away from your mortgage the bank will forclose, burn your credit rating to the ground and then be done. They can't do anything more to you:
Alaska (AK)
Arizona (AZ)
California (CA)
Connecticut (CT)
Idaho (ID)
Minnesota (MN)
North Carolina (NC)
North Dakota (ND)
Oregon (OR)
Texas (TX)
Utah (UT)
Washington State (WA)
If you do not live in one of those states consider your options especially carefully before walking away from a mortgage. The banks will take the house, wreck your credit rating and then come after you for the difference between your mortgage and the sale price of the house they took back. You're on the hook for the entire amount of your mortgage regardless.
So sorry Todd-San, we're a little short on Yen at the moment but maybe we could interest you in a second hand district? It's charmingly named Fujiyama and it's energy enriched at the moment *cough*. We hate to let it go but money's tight, how bout you make us an offer?
I'll meet you half way and say some graffiti can at least be argued to be public art. But plenty more is just purile scrawls of paint deployed by bored teenagers with nothing better to do; as devoid of artistic content as it is devoid of thought or any intent higher than the animal impulses that make cats spray their territory or dogs sniff fire hydrants.
Awsome piece Russell. Being about as removed in time from your professional workplace as you are from Dr. Schuster's I have experienced pretty much no bigotry about my orientation at all. I am keenly aware, however, of the broken generations before me who fought for the freedom I enjoy. Gratitude is certainly the bare minimum of necessary responses.
An interesting thought experiment but too left field for me personally.
-The jobs need doing; someone has to do them.
-If people are paid/cared for someone has to be paying/caring.
-We have observed that absent the unpleasant goads of necessity people in general are pretty willing to do very little.
-We have observed that people in general mistreat things that are unowned or communally owned (the commons); few things are more beat up, littered, graffitted and abused than city bus shelters or public road sides.
Until and unless technology advances to the point where such labor can be performed by automata the gods of the copybook headings still hold sway. The work has to be done.
I knew it! You finally tipped your hand Cahalan! Evil is exposed. Someone start up some banjo music while I light me some torches and sharpen my pitchfork.
My hopeful answer: new and to date unanticipated methods of delivering information will arise based on the technology available for delivering information rather than being derived from the old traditional forms of information delivery.
My cynical answer: a new generation of people will grow up exposed to the new information firehose and will develop a cynical knack for weeding the occasional nuggets of signal from the deluge of drek.
No she's not, and interestingly enough I haven't had cause to spell wily correctly before. I'm not even entirely sure I'm spelling it correctly now. What fun!
Well heck, for a devout catholic who was also gay the church would always be a no brainer. Outside the clergy a man uninterested in women would be viewed with suspiscion at best and be treated as a pariah at worst. Inside the clergy a man uninterested in women would be a pillar of the community.
Ireland Stillwater, the revelations of long running abuses (of children of both sexes) by the clergy in Ireland have turned the country from a staunch Catholic state to a cynical a-religious one almost overnight.
Really Koz, what had you mistread about the race? I recall you were very moody about the subject of the GOP nominees as a group a while back but you never were specific.
It depends on Mitt, Tom. If he can unify his base and fire them up he should have a decent shot at the presidency. He's going to have to up his game a lot though. Mitt has essentially out spent and out organized his opponents throughout the primary. He simply cannot do this against Obama; the Dems have a huge ground game set up and a huge war chest.
Also, of course, the economy has a huge impact here. If unemployment continues dropping and the trajectory remains unambigously positive that's going to add some significant tailwind to Obama and some headwind to Mitt.
To buy all that you'd essentially have to say that this scrapped together grabbag of a bill is literally the left most bill that the electorate and representatives would support and frankly I don't think the country is that far to the right.
No, I'd have suggest that he should have started out at a sensible bargaining position. Single payer certainly wasn't going to happen but Obama could have planted his flag considerably to the left of where PPACA turned out and forced the GOP to at least counter. Really what my criticisms boil down to are:
-Obama was utterly hands off about the shape of legislation to begin with.
-He was completely mum with regards to communicating or advocating to voters. His opponents had control of the narrative for almost the entire process and all Obama did was try and be aloof about it.
-What little guidance and inclination Obama did express contained significant pre-emptive policy concessions to the right which were pocketted, and then ignored as they jawboned him as a socialist. (*note this is a pattern he displayed repeatedly in his first years. Consider the Bush tax cut expiration, total give away and he got snausages in return; the debt ceiling fiasco: he was literally giving away the store and was rescued only by the collective insanity of the rights refusal to accept what he was offering; his entire defense policy was right out of W's playbook etc etc...)
Frankly I think calling PPACA Obamacare is rather unfair... to the actual authors. If the bill was named according to who should have credit for its creation based on the merits it should Pelosicare of Reidcare.
*Comment archive for non-registered commenters assembled by email address as provided.
On “Can We At Least All Agree that John Derbyshire is Racist?”
I'd like to note, merely, that the comment thread has remained by and large cool and constructive. Well done all.
On “The Future Is Now: The Birth Of The American Wasteland”
Can and will. Yes very much so DD, thank you.
"
Your proposed solution to lying and thievery is to be even bigger thieves and liars, and I’m the “waste of time”.
Blaise was harsh DD but lets not be hyperbolic. Defaulting on a mortgage is not lying or theft. The option to default is implicit in the mortgage, that's why they get the property. Heck, upstanding corporations routinely strategically default on debt and enter in bankruptcy to screw creditors and shed debts. It's certainly bad to jump out of your mortgage (and you pay for it on your credit score for years after) but it's not theivery.
"
To add to what DD is syaing always remember that cash out refi's or home equity lines are always respecitvely usually and always recourse regardless of the state. Be careful.
"
Just to make sure useful information is getting out on this subject (it is capital I important):
The following states are non-recourse states. If you walk away from your mortgage the bank will forclose, burn your credit rating to the ground and then be done. They can't do anything more to you:
If you do not live in one of those states consider your options especially carefully before walking away from a mortgage. The banks will take the house, wreck your credit rating and then come after you for the difference between your mortgage and the sale price of the house they took back. You're on the hook for the entire amount of your mortgage regardless.
On “The destructiveness of “hard work””
Yes, thank you, I was in such a hurry to be clever I fished up the name. I don't know what you said but I probably deserve it.
"
So sorry Todd-San, we're a little short on Yen at the moment but maybe we could interest you in a second hand district? It's charmingly named Fujiyama and it's energy enriched at the moment *cough*. We hate to let it go but money's tight, how bout you make us an offer?
Sincerely
Japan
"
I'll meet you half way and say some graffiti can at least be argued to be public art. But plenty more is just purile scrawls of paint deployed by bored teenagers with nothing better to do; as devoid of artistic content as it is devoid of thought or any intent higher than the animal impulses that make cats spray their territory or dogs sniff fire hydrants.
On “My own experience of being gay in medicine”
Awsome piece Russell. Being about as removed in time from your professional workplace as you are from Dr. Schuster's I have experienced pretty much no bigotry about my orientation at all. I am keenly aware, however, of the broken generations before me who fought for the freedom I enjoy. Gratitude is certainly the bare minimum of necessary responses.
On “The destructiveness of “hard work””
An interesting thought experiment but too left field for me personally.
-The jobs need doing; someone has to do them.
-If people are paid/cared for someone has to be paying/caring.
-We have observed that absent the unpleasant goads of necessity people in general are pretty willing to do very little.
-We have observed that people in general mistreat things that are unowned or communally owned (the commons); few things are more beat up, littered, graffitted and abused than city bus shelters or public road sides.
Until and unless technology advances to the point where such labor can be performed by automata the gods of the copybook headings still hold sway. The work has to be done.
On “Coverture and Liberty”
Fine you can get in line.
"
I knew it! You finally tipped your hand Cahalan! Evil is exposed. Someone start up some banjo music while I light me some torches and sharpen my pitchfork.
On “On “Truth” and Its Consequences – Why We Need A New Business Model for 21st Century Journalism”
My hopeful answer: new and to date unanticipated methods of delivering information will arise based on the technology available for delivering information rather than being derived from the old traditional forms of information delivery.
My cynical answer: a new generation of people will grow up exposed to the new information firehose and will develop a cynical knack for weeding the occasional nuggets of signal from the deluge of drek.
On “The Future Is Now: The Birth Of The American Wasteland”
Why? Did the filibuster suddenly vanish?
On “Leaguefest 2012: Reservations Still Available”
No she's not, and interestingly enough I haven't had cause to spell wily correctly before. I'm not even entirely sure I'm spelling it correctly now. What fun!
On “The Roots of Scandal”
Well heck, for a devout catholic who was also gay the church would always be a no brainer. Outside the clergy a man uninterested in women would be viewed with suspiscion at best and be treated as a pariah at worst. Inside the clergy a man uninterested in women would be a pillar of the community.
"
Ireland Stillwater, the revelations of long running abuses (of children of both sexes) by the clergy in Ireland have turned the country from a staunch Catholic state to a cynical a-religious one almost overnight.
On “Leaguefest 2012: Reservations Still Available”
Man that's some awsome stuff! Unfortunately my boss is wiley.
"
I really wish I could make it, May 28th is even my birthday. *sigh* Work is unrelenting though, alas.
On “The Ultimate Victory, The Final Defeat”
I reject this. The right can have Asimov when they pry him from my cold dead hands.
On “Who do you like in the second?”
My impression has been that FL favors the GOP and that VA favors the dems so Ohio is the big enchilada.
On “If The Supreme Court Kills Obamacare, You Can Keep Your Silver Lining”
Really Koz, what had you mistread about the race? I recall you were very moody about the subject of the GOP nominees as a group a while back but you never were specific.
"
It depends on Mitt, Tom. If he can unify his base and fire them up he should have a decent shot at the presidency. He's going to have to up his game a lot though. Mitt has essentially out spent and out organized his opponents throughout the primary. He simply cannot do this against Obama; the Dems have a huge ground game set up and a huge war chest.
Also, of course, the economy has a huge impact here. If unemployment continues dropping and the trajectory remains unambigously positive that's going to add some significant tailwind to Obama and some headwind to Mitt.
"
To buy all that you'd essentially have to say that this scrapped together grabbag of a bill is literally the left most bill that the electorate and representatives would support and frankly I don't think the country is that far to the right.
"
No, I'd have suggest that he should have started out at a sensible bargaining position. Single payer certainly wasn't going to happen but Obama could have planted his flag considerably to the left of where PPACA turned out and forced the GOP to at least counter. Really what my criticisms boil down to are:
-Obama was utterly hands off about the shape of legislation to begin with.
-He was completely mum with regards to communicating or advocating to voters. His opponents had control of the narrative for almost the entire process and all Obama did was try and be aloof about it.
-What little guidance and inclination Obama did express contained significant pre-emptive policy concessions to the right which were pocketted, and then ignored as they jawboned him as a socialist. (*note this is a pattern he displayed repeatedly in his first years. Consider the Bush tax cut expiration, total give away and he got snausages in return; the debt ceiling fiasco: he was literally giving away the store and was rescued only by the collective insanity of the rights refusal to accept what he was offering; his entire defense policy was right out of W's playbook etc etc...)
Frankly I think calling PPACA Obamacare is rather unfair... to the actual authors. If the bill was named according to who should have credit for its creation based on the merits it should Pelosicare of Reidcare.
*Comment archive for non-registered commenters assembled by email address as provided.