Go ahead, explain why the stock market is up and then explain why Gold and oil is up too. You already failed as most libtards do putting all the blame on one person. No critical analysis at all. You probably didn't notice its the same speech four years apart. FYI don't use whiteout on your monitor, Blondie.

Still relevant after the last administrations disastrous regime and still cleaning up the mess.


Fishy

Yes.

Fish on...

Todd

+1


Welcome the new boss......

Not sure how anyone can say they are better off. Food is 20 to 30% more expensive gas is double Your home is worth less and almost every area in the state paid more in property tax. Every form of energy to heat or cool your home cost more by 20%. Even if you make more money you made less than you would have if these items stayed flat or showed a modest gain in cost.

Forgot health insurance it went up $2500 this year and I have not talked to anyone that has not seen a jump in cost.

Sorry I'm not sad enough for you, Choad.

Business is kicking ass, personal life is wonderful, and fishing time is up...I have friends back from the ME that won't be going back there again. My lady stepped up into a new job in a company that's expanding, and hiring, like crazy.

I'll try to snivel more for you.

Fish on...

Todd

I am doing fine toad just pointing out some facts facing everyone. The phrase " my lady" is douchey btw and ladies don't let pics like that out in public.

Fuckoff. You wouldn't recognize a lady if one kicked RvW's dick out of your mouth.

Fish on...

Todd

Those dreads have to stink too. More than one reason for the lemon I suppose.

TJ, you're in the territory now where I'd rip off your arm and beat your stupid head more senseless with it. Shut your fuckin mouth or I'll stick a fist in it.

Fish on...

Todd

If Obama get's re-elected, just think of the mess he will inherit!

If you dish it you should be able to take it don't you think? If you post [Bleeeeep!] you get [Bleeeeep!] grow up little man.

And Sky Guy FTW. That is truly funny.

I'm not better off. My income has gone down, and my living costs have gone up. I'm mad as hell at D and R administrations that apparently are puppets of the thieves on Wall St and the insurance companies that own the federal gov't. UP THE REVOLUTION!! . . . and public beheadings on the capitol mall.

Told!

Like the lyrics of the song, "Doing alright,gettin' good grades; the future's so bright, I got to wear shades"... Unless a Republican gets elected president. Then the shades come off and I'll be hopin' I have enough in reserve to survive their term of office. It'll be a time to hunker down, 'cause I'm not a financial 1%, a CEO, a relative by blood; nor did I contribute massively to the RNC.

The Irony is that historically republicans have been viewed as the fiscally responsible ones............ not the neocons...

Joad,

As a right winger and a fool, you're used to believing that others think like you.

I'm smart...I don't think like you.

I also don't think that talking about another man's lady is moral or proper.

I do, however, think that I will knock your face in for doing it.f

You, as a pussy, probably believe that I am kidding.

I'm not.

You, as a pussy, will probably whine to the mods, or snivel to the cops, or hide under a rock. I'm guessing that's what you did all thru your childhood when the meanies made fun of you, probably after you shot your stupid mouth of then, too...wahh, I'm gonna get my ass beat!

Think your old sad ass is anonymous on the InterWebz? It's not, and I live about fifteen minutes from you.

As a pussy, you'll probably want to have a gun around while I beat your ass...make sure it's registered to you so they can use it to ID your body when they extract it from three feet up your ass.

Fish on...

Todd

Just a matter of time TJ. She is about half Toads age and moving up. She'll be looking to trade up for a more successful model. Its in the genes.

Well good. We have a bonifide threat of violence. I hope Toad will follow thru. TJ will not only own his lure company, he will have a felony on his record, and Canada will turn him away every time.

Keep talkin tough guy.
Just another liberal emotional basket case.

You dish it out but cannot take it Todd grow up.

Yes, without a doubt I'm better off. Like Stam, I think it has more to do with what I'M doing than what any politician THINKS they are doing for me. I refuse to give them full credit or full blame. If you think that Obama (or Bush, or illegal aliens, or welfare recipients, or Obamacare, or taxes) is the reason that you aren't doing OK, you need to face the fact that plenty of people are succeeding in the same environment.

My only real fear is going from having a peachy life to being in the shitcan from an unforeseen, unpreventable medical situation with either myself or my wife. And that is WITH insurance.

Aunty,

The list is long enough to include both your first 10 and my first 10 and quite a few more. The charge is treason, putting the interests of Wall St and corporations ahead of all the people of the US. It includes politicians, former politicians, Fed Res commissioners, SEC commissioners, and the boards of directors of the financial services corporations and AIG. It'll be a blood bath like the French Revolution had! Will that do? Hate to see you excluded from the revolution.

This thread seams to be deteriorating like the other ones on here lately.

Back on topic; personally no. Where I see our country, no again. Like Salmo my income is down and my cost of living is up. Luckily I was on a good financial track when things went TU so yes it affected me but not as bad as it could have.

Thats not an answer. Its an extremely lame left wing talking point used on the weak, like a Jedi mind suggestion. Its seems all you can do is repeat the mantra, but you cannot back it up. Its would be virtually impossible for one president to preside over all the decisions made, including those home buyers who bought homes they could not pay for and took out equity loans to pay off huge credit card bills and increasing the total debt of their home loan. President George W. Bush is not responsible for the huge influx of unqualified buyers into the home market place, which just pulls future buyers into the present. When you run out of qualified buyers, you loan money to unqualified buyers. When you run out of unqualified buyers, then the market implodes and the first people to lose their jobs are those directly related to construction and home furnishings, when the market dries up. The banks created their own hell from dirivatives/ packaging underperforming home loans and selling them to investors all over the world. Banks were allowed to leverage their money in much to high a multiple incase they had bad debts. Bush did not hire lobbyists at Freddy and Fannie, that was three former clinton Adm employees, Raines, Johnson and Gorelick, who pocketed millions in bonuses, while they pushed the hell out of the subprime loans, to unqualified applicants. 'Those lobbyists targeted republicans that were capable of shutting it all down prior to the 2006 elections, when they lost the Senate. After that, Barney frank could just ridicule anyone who opposed the policies that were allowing all this to happen. He was complicit in this melt down as was the black caucus who pushed home ownership for constituents, like it was a constitutional right to have someone else pay for your home. Chris Dodd and others got special deals on financing of their own homes. Congress raise the limit on special finance considerations to home in the area of 650,000 dollars, well above what middle income workers, were buying. Dream on. Ive details some of Bushes mistakes and its always painful when people let you down. To not recognize when your guy is screwing it up, is not only dumb, its dangerous. Its obvious you didnt teach your kids anything from this experience, because you dont understand it.

In before the Nuke!!!!!!

Well with my appraised value of my home going from 692k in Dec of 2007 to 397k now I would say I am not better off....
In fact I am poorer.

I think you've rushed to judgement...again. All Todd has to do to "walk" in this case is give every juror a transcript of Tom Joad's posts and a Rvrfisher catalog. After reading a few of Joad's posts, they will have decided the homicide was justifiable and will spend the rest of the trial perusing the products in the catalog. At the end of the trial, Todd will not only have his freedom, but a fistful of new orders for fishing gear.

Cedar,

It’s people like you that create this problem. Todd believes he has more friends here so he can say and do anything he wants. He repeatedly insults anything and everything he wants but when some one does it back he cries foul because his sorority sisters come to his defense. A real friend would say “listen dood you insult everyone at will about anything and you are dumb enough to post a 7/8ths naked picture of your girlfriend on the web and expect everyone to think she is somehow off limits? You call someone’s god a sky fairy but a comment about someone hair stinking sends you over the edge, get over yourself" Secondly “as your friend its real stooped to post threats on an internet board, its equally stooped to get so bent over something you know is not true from someone you don’t even know” and lastly “if you get that bent over playground banter stay off the play ground. “

Group think and cliques are for non thinkers Cedar. Debate me on the points of my posts and don’t be a mental midget with the backhand slights. It just makes you look like an idiot and I could care less.

Chuck,

ps: making any reference to peoples family members is lame and classless. I dont care who you are.


Using the phrase JFC is just as offensive to many but that does not slow you down. Just becasue the cheer squad here thinks its funny does not make it acceptable.

I am all for posting ground rules you cannot just enforce them when they suit you.

jesus [Bleeeeep!] christ

Working harder and making less, house is worth less. Insurance costs more, stuff costs more. I will say my confidence in the market has been improving over the last 6 months. The dream of somehow getting rich and doing nothing everyday has faded towards the future a bit.

But, my life is pretty great. My wife is still hot, my kids are well behaved, and I fish/hunt or golf 2-3 times a week. A couple of vacations to places that are warm are already on the calender for next year.

The key my success is to get up every day and provide mediocre effort for 20 or 25 hours a week.

Jesus Motherfu.k.ing Christ!

Tj,

is that better?

Does not bother me at all big moobies. It however is very offensive to a lot of Christians .

Here's the definition of a pussy:

Someone who would say something on the InterWebz that they wouldn't say in person.

That pussyfuck Choad wouldn't say word one to me in person regarding my ladyfriend...he'd be choking on his dentures and pissing in his orthopedic shoes.

I, on the other hand, would call him a foolish old bitter pussy right to his face.

Someone have a problem with that?

"Can dish it but can't take it" doesn't mean you get to talk schit about someone who's not even here, and has nothing whatsoever to do with your sad and pathetic life.

Your lessening of your already dubious standards to go after my ladyfriend shows just what a pussy you are, and I'd happily cruise out to your neighborhood to tell you that right to your face.

Fish on...

Todd

Your response speaks for itself. I'd call it "stooped", but some of my best friends have scoliosis.
Why don't you do the web world a favor and write your "thoughts" on a scrap of paper; then throw them in the wastebasket. You aren't going to change a single mind with your lunatic posting.

No a pussy is someone who does one thing and then cries when someone does it back to them and when called on it continues to snivel about it. If you cannot handle someone saying your girlfriends hair might stink you need professional help. If you Are as chivalrous as you pretend take her picture down . Seriously your false indignation is pathetic.

My income is down, but it isn't stopping me from doing what I enjoy.
401K has recovered and my home continues to appreciate. Yes, appreciate.
The value isn't back to where it was at the peak, but not that far off. My neighbor just sold his house for a lot more then I expected and I have a much nicer crib then his.
My goal of retiring at 62 is still on track. 9.5 years to go.
Things could be worse......I could be dead.

Umm.........for the record I do not have moobies, this was already discussed in another thread..

$hit...I hope I don't have moobies? where is a mirror?

Put a naked woman on the avatar and post that you stopped making porn for that is tasteless and very casual. You can get, all loud and proud about it, but you brought it on yourself. When you treat your "lady friend" that you are so obviously committed to, with respect at all levels, then you can expect others to do the same. Fact is, we couldnt care less about who you date, but given your attitude, most folks would not trust you with their own lady friends, because people really are not that much different on the net, than in real life. If they allowed it here, there would be a few cameltoes and dicks on the avatars. This site has the lowest standards of civility anywhere I post. Your run over that line in the sand on a regular basis.
44 going on 14.

Let's meet up and you can see how false my indignation is.

You won't, though...because you're a pussy. You've always been a pussy, and you'll always be a pussy.

Fish on...

Todd

The solution is simple .......

Get your gal friend's bare azz off the web.

Put up a fishing picture.

done.

I think the better solution is for Choad to stop being a pussy and tell me that stuff to my face.

He won't, though...because he is a pussy.

If he's half as tough as he thinks he is he'll meet up with me and either apologize, or repeat what he said...but he won't do either...wanna guess why?

He's a pussy.

Fish on...

Todd

All I'm gonna' say is that I'll give certain people a metric sh.it ton of grief but I think it's best to leave wives, kids and girlfriends out of the fray.

As much as Todd gets on my nerves and I enjoy getting his goat I don't hate him and don't think it's fair to bring his girlfriend into it.

Flame away...

See, we do agree on some things.

Fish on...

Todd

In real life Todd I'm sure we'd get along fine....as long as we didn't talk politics or religion.

I suspect you're right. I also suspect I'd still think Choad is a pussy.

Fish on...

Todd

Well when that day comes the first beer or Cosmopolitan or Sex on the beach or whatever you drink is on me.

Come to think of it no Sex on the beach...I gotta' draw the line somewhere...

Ok Toad I will be a bigger man than you but that's really not that hard. I will apologize for inferring that your girlfriends dreads might stink if you agree to not personally attack me in the same fashion in this forum again. Deal?

Bonfire?

Stam can do what he does, unless Dan wants to burn up something. (Where is that beast, anyway?)

In 2008 I was working on a fixed income in the fifth level of Hell. On a fixed income with increasing expenses. Wife and I retired. Still on a fixed income.

Much more relaxed, much healthier, actually putting money away for big trips and such. have the time to work on the house and yard, hunt and fish more than before, care for ill parents.

No bed of roses, but better.

I do admit that it would be a damsite better if the Legislature and Congress would do their jobs of governing rather than pandering to their "base".

And, just for grins, let's say that Romney wins, the House stays R, and the Senate in 51-49 R. Just what would change? The minority in the Senate could gum up the works just as well as the House or minority in the Senate does now. Unless those folks decide to work together we continue to be screwed.

Best post so far!

You owe me a frickin Scotch, Ryley (as I'm licking it off the keyboard/counter)

OK just read the rest of the thread after Ryley's post.

JFC!

Really? Is this really what it's come to?

I mean J - F - C !

Sorry for startin' the thread Ryley. Feel free to nuke the whole dam thing. I won't be offended.

not on budget issues. I dont think you need 60 votes to cut off debate.

I would not blame them for passing something thru continuing resolution like obamacare was. Therefore, it wont be hard to unwind either.

There are more teaparty members than in 2010. They are concerned with fiscal issues, constitutional issues. Time will tell, how they conduct themselves on these issues. They need to get rid of the pork and waste, reign in govt and get business moving and they only have about 18 months, or they could lose the majority.

JFC! dude! you are trying to bring this back on topic?

Some things should be kept private.

I believe that at any time a senator can threaten filibuster, and that takes 60 votes to over-ride. I just see more posturing and no real progress.

And if the R's don't get the Senate then we have really nice gridlock.

And no matter Romney says about overturning Obamacare on Day 1, he can't do anything. Congress has to vote to overturn it.

You can justify it any way you want chuck to a lot of Christians it is more offensive than talking about their family. You do not get to say what you want and then get all defensive when your ox gets gored. If you don't want it done to you then don't do it to others pretty simple.

I'll refrain from posting until after 10/30

I have a job interview...in WA!

I know you need the money.....but Washington? ohhhhh noooooo.

Good Luck.....in all the necessary ways.

Good luck.

Not govt.

With all those picks of you and big fish that job is probably at the Quinault hatchery.

Not hatchery, or tribal...

PATSY
: a person who is easily manipulated or victimized : pushover

A lot of billionaires are reading this while sipping their port thinking this just gets easier and easier.

Meet the new boss............

Even though MA elected Scott Brown, the Senate passed Obamacare anyway, without a vote. 60 vote rule does not apply.
I dont know what they will have for support. Maybe Democrats will vote out Harry Reid for senate leader. Maybe enough democrats will see their future disappear in 2014, so they get out a head of it. Either way, the states are going to get waivers and the only fool who wants to run with it, wont get any money. Far as I know, the house can defund just about anything it wants.

It will be forgotten, only when another way of making health insurance and medical care more affordable and reduce the number of insured, without requiring a mandate, is implemented.

Choad, the day you're a bigger man than me is the day pigs fly.

Fish on...

Todd

And, Choad...the more you type the more you foster the stereotype that Christians are often the most ridiculously hypocritical asswipes to ever roam the face of this earth.

Fish on...

Todd

The bigger man would agree to the offer. Petty child.

The fact that you continue personal attacks while sniveling about personal attacks show what you have always been. I have no reason to communicate with you further. Good luck to you.

There's no offer...just a sad and pathetic old man, a miserable excuse for a human being, and the living embodiement of why Christians are often perceived as miserable hypocrites.

You'd do well to shutthefuck up, Choad...and talking to me further will only result in me reminding you that besides being a miserable excuse for a man, a human, and a Christian, you're still, and always will be, a fuckin pussy, too, who can only hide his sad self behind a keyboard and throw childish bombs.

Fish on...

Todd

''Yawn" Now that you girls have settled your cat fight, I thought I'd post something on topic for a change. I'm in the title and escrow business and we're busy. The foreclosure reports we do have gone down, refis are up as are new construction and home sales. Lenders seem to be doing more loan modifications and we're receiving more requests for information for commercial projects. Whether the commercial info requests develop into orders reamins to be scene but at least we have interest in that area.

I'm also in the financial industry and our bottom was probably 2 years ago. At that time, we had people coming in and just giving us the keys to their cars because they couldn't make payments. Things aren't necessarily rosey but it is a big improvement over 3 years ago. I suspect others in the industry would report similar findings.

My wife and I are and have been looking for a new home. Anything that satisfies our requirements are quickly sold and my good friend who is also our RE agent says the banks are gearing up and hiring in anticipation of another big dump by the banks. Apparently many foreclosures and soon to be foreclosures have been held back...

That's what he's been told and that's what I've been hearing from other sources as well.

RvW ~ The 'shadow inventory' is the term used in the biz for properties with non preforming loans that haven't been foreclosed as yet. I was told by a guy that he hasn't made payments for 3 years on his 4 rentals and his home although he's collecting the rent. I don't have a clue how many properties are in this same situation here in Kitsap but I hear similar stories every week. It's been suggested that the banks didn't start the foreclosures as they didn't want to flood the market with foreclosed properties but it may be that they were just overwhelmed and are just now starting to dig their way out as they weren't geared up for the volume of bad loans.
Cash is still king when it comes to buying foreclosed properties but have a good home inspection as some of the foreclosed properties have a lot of differed maintenance.

Good info Chuck....thanks. We are looking at a beautiful new construction in Machias with 4.5 acres of parked out landscaping and river frontage that would be the best of all worlds. It's overpriced so we'll see what they say about an offer.

Hey, I know that area, RvW...there's good fishing in the backyard of those new houses

Fish on...

Todd

That was my thought as well. I'm also not averse to shooting a backyard deer.

I'd check the FEMA flood maps as some of the lenders, depending on the loan, require this if it is in a flood plain. I'm not sure of the particulars but someone here might. Dogfish, where are you?

Chuck...thanks I had the same thought although the house sits up considerably higher than the river. I don't think flooding would be a problem for this particular property but I am looking into it.

It would be pretty hard to build in a flood plain if the properties are recently built. If they did it will come up instantly in the Title report as requiring flood insurance. The bank will be looking for that.

I have done a lot of FEMA flood insurance improvements (design), and reviews. Most of the City of Hoquiam, is built below mapped FEMA flood elevation.

RVW, don't let me sway your decision, but do give some serious thought to unknown future "takings" by government that aren't classified as "takings". In other words, they will gladly apply restrictions to streamside owners without paying for the loss of use.

Personally, I'd stay the Hell away from anything around the water. It's only going to get worse.

Title reports don't cover whether a property in a flood plain or not. Some of the flood maps are goofy anyway. A property that was at about the 120' elevation level about a 1/2 mile from Agate Passage whowed on FEMA's maps.

Thanks guys!

My RE agent said the house and upper pasture isn't in the flood plain but the lower pasture and pond is. That's not a big deal.

Slab I appreciate the advice but momma likes the property and it would be a kids' dream with the pond, zip line and tree house. I could raise a couple of head of Wagyu cattle for eatin' and have enough room to stretch out....which is getting tougher around here. I get claustrophopic in urban he.ll.

Another bonus of waterfront property is that they aren't making any more of it...holds its value very well.

Fish on...

Todd

"momma likes the property "

Reason enough to go for it!

LOL.....
Hard to argue with that.

BTW.....that pond will likely require fencing shortly. Don't say I didn't warn you.

Best of Luck to you and yours......really!

No net gain, at least of waterfront property, when California is underwater...

Other gains, of course, are incontrovertible

Fish on...

Todd

If you see my boats floating by when we get hit with the big one up here......feel free to keep them.....I'm sure I won't be around.

RvW,

I wouldn't assume the RE agent is providing accurate information about flood plain location, and a lot of other parameters as well. He very well might be, but I would never assume so.

Sg

Salmo---That's very true...and I don't. My RE agent is a very good friend, hunting and fishing partner and I and he are looking deeper. I've also got my mortgage guy doing some looking at flood insurance. The house sits quite a bit higher than the mean level of the property. I'll continue to look into it until I'm satisfied with the results.

Thanks Salmo and have a great weekend....this rain can't hurt the fun to be found.

Thanks ss.

Salmosalar----I'll be looking back to your advice and I appreciate it!

We all can get along....the internet is a great tool but a poor medium for folks that share a common interest/s.

I wish I was better at this stuff because there ain't many folks from this site that I wouldn't be happy to share a drink with or help out if they needed it.

Thanks for the great advice!

Here's a thought about "flood plains" that we are dealing with. Have a waterfront house, with a bulkhead. At the Perfect Storm situation (now)a really high tide, low barometric pressure, and onshore wind puts water at the back door. Any rise in sea level above where we are today makes this occur more often, at lower tides, and lower winds.

In this case, the "flood plain" is changing as the climate changes.

Well if we move forward with this house I have a lot of great info and a lot more questions to ask. I found out this morning that flood insurance is available as the community participates in the NFIP program. I'll be delving deeper and asking the questions you all have proposed.

Again thanks to all of you for your help!