DISQUS

I have been a commercial Mort banker for 10+ yrs. It has always been harder to find good deals than to find good banks to do them. this has CHANGED. The banking industry is holding the US hostage, lower LTV ratios,higher debt coverage requirements all had lead to banks not doing loans, good loans, investment grade loans! Their cost of funds has never been lower and the spreads the are charging the borrowers are at a 10 yr high! Its killing my business and causing a chain reaction. I just canceled my Disney trip for this year,put off home remolding, both of which would have put $$ in the economy. The banks are part of the cause for this problem and they are the cause of the continuing problem. Until the tax payers buy all the bad debt!! What a bunch of BS!!

I have been a commercial Mort banker for 10+ yrs. It has always been harder to find good deals than to find good banks to do them. this has CHANGED. The banking industry is holding the US hostage, lower LTV ratios,higher debt coverage requirements all had lead to banks not doing loans, good loans, investment grade loans! Their cost of funds has never been lower and the spreads the are charging the borrowers are at a 10 yr high! Its killing my business and causing a chain reaction. I just canceled my Disney trip for this year,put off home remolding, both of which would have put $$ in the economy. The banks are part of the cause for this problem and they are the cause of the continuing problem. Until the tax payers buy all the bad debt!! What a bunch of BS!!

"your ability to read the jagged cracks forming beneath..."

You nailed it.

I guess it's hard to read when we're busy looking at the sun. Or when we don't want to get the message.

I need to think. :)

There is a one time cleanup solution. in windows/system32 there is a file called vsp1cln1.exe. it will help with the bloat at least a bit by getting rid of redundencies, but it might not work for everyone.

And that is why we need to ensure stability in Iraq. Although the war was not justified from the get-go, we have a responsibility to invest in the infrastructure of the country.

Arthur,

I wish you would have read my entire post rather than slamming me completely. You completely misconstrued what I was saying. You basically played the "ignorant racist white man" card on me without actually knowing who I am.

You think I'm mentioning the "colorblind" to ignore the crisis of black people? No! I'm doing this to eliminate tribalism that exists in all forms of society - for people who use ethnicity to play the "victim card." Racism comes from all forms and in all societies. What about other disenfranchised minorities (both historical and the present)?

It's a slap-in-the-face to Martin Luther King Jr. to judge a man by his ethnicity rather than the content of his character. The fact that you did that to me is at most ironic.

This is not to deny that racism still exists in mostly implicit forms (and also explicit in some areas of the Deep South). However, the generalizations need to stop if we're ever to have the "truth telling about race."

And in regards to talking to black people (or any ethnic minority for that matter), most of my best friends are of different ethnic minorities: Armenian, Japanese, Ukrainian, and Cuban. I have several good friends that are black. Please don't assume things that you don't know - rather, just read my entire posts and take everything into context. Cheers!

I think everyone who is not a White Anglo-Saxon Protestant has experienced prejudice, racism, or xenophobia of some sort.

The Italians, the Polish, Catholics, Hispanics, Muslims, the Jews etc. Although I believe "repentance" of the government should be investment in inner-city schools and reform of the public-school system altogether, in terms of payments towards blacks, like everyone asks, who pays? Should people who come from immigrant families be responsible? Those who experienced xenophobia and had to climb to the top as well?

Perhaps we should strive to eliminate prejudice in all forms not just against blacks, but against everyone. Wasn't it in Martin Luther King's speech that we should all be colorblind? What about the racism that exists between the blacks and the Hispanics and the Koreans? Aren't we all guilty of racism despite our backgrounds?

We have come a long way from the past - Brown vs. Board, The Voting Rights Act - to say we have not improved is simply a slap-in-the-face to all the people who have led the way to moral and social progress. However, it's not over yet. Unfortunately, the United States suffers from implicit forms of prejudice and racism, a problem with every nation - France has it with the Algerians, Israel has it with the Arabs, tribalism exists within the Arab world, etc.

The truth is we all need to improve. Unfortunately, all the posts by Sojo regarding racism are very ambiguous. Jim Wallis calls for repentance in both of his books and the "truth telling of race," but in what specific ways can we do that?

As I am white and I cannot relate the the status of the blacks, for all the African-Americans out there, forgive me from sounding simplistic, but I humbly ask, could you elaborate on the problems that you have personally experienced or that you have witnessed within the black community? What specific goals do you believe would help the black community or any disenfranchised community progress further?

The purpose is to demonstrate the meer stupidity that the American people believe Obama's a Muslim conspiracy.

If people can't understand that, then that's their issue, not the New Yorker

it's good but not that great......

Saturday late night is a absolute killer with Sigur Ros and Talib and Lupe conflicting. Also Friday Minus the Bear and Tegan & Sara hurts as well

Thanks for doing this spark. I appreciate it. And I added you to the blogroll.


Drews last blog post..<a href="How ">http://www.benspark.com/wo2008.html">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll.


Drews last blog post..<a href="How ">http://www.benspark.com/wo2008.html">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll. Drews last blog post..<a href="http://www.benspark.com/wo2008.html" rel="nofollow">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll. Drews last blog post..<a href="http://www.benspark.com/wo2008.html" rel="nofollow">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll. Drews last blog post..<a href="http://www.benspark.com/wo2008.html" rel="nofollow">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll. Drews last blog post..<a href="http://www.benspark.com/wo2008.html" rel="nofollow">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll. Drews last blog post..<a href="http://www.benspark.com/wo2008.html" rel="nofollow">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll. Drews last blog post..<a href="http://www.benspark.com/wo2008.html" rel="nofollow">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll. Drews last blog post..<a href="http://www.benspark.com/wo2008.html" rel="nofollow">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll. Drews last blog post..<a href="http://www.benspark.com/wo2008.html" rel="nofollow">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll. Drews last blog post..<a href="http://www.benspark.com/wo2008.html" rel="nofollow">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll. Drews last blog post..<a href="http://www.benspark.com/wo2008.html" rel="nofollow">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll. Drews last blog post..<a href="http://www.benspark.com/wo2008.html" rel="nofollow">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll. Drews last blog post..<a href="http://www.benspark.com/wo2008.html" rel="nofollow">How bad can you burn your tongue?

Thanks for doing this spark. I appreciate it. And I added you to the blogroll.


Drews last blog post..<a href="How ">http://www.benspark.com/wo2008.html">How bad can you burn your tongue?