I stopped by there on Saturday afternoon. For the first time I didn't go with any of my friends, I went with my Mom. For the first time in quite a while she was up north & available. So we went and it was an interesting time. The first lesson that was established was I really as a wuss compared to my Mom. The point to illustrate this was when I suggested we park in the Kleinhans Music Hall and for the most part it was cool since no one was in the lot, it was early enough before the event later that night and no one was really there watching the place. As we were walking out some guy very far away at the end of the lot was saying something about a ticket. I actually got worried, but my Mom was like, "Who Gives a Shit, If they ticket me I have the money." Yea, I have to admit even though I heard this there was still a bit of anxiety bubbling down below the surface. She has real balls, unfortunately more than I do I sadly admit.
It was funny to see her in action as after the AAF we went to Cafe Europa. After realizing that she could have had X,Y,Z @ Toro she went in there and asked for a menu, to keep! I guess from how she operates in FLA she basically has a book of menus from places to reference addresses, phone numbers and prices. The real fun part was going into LU Modern Classics and having her give her opinion on everything in the store. Good times for sure is all I can say.
So we walked the entire length of the show starting down at the bend of Allen St. I really only picked up a melted 7 Up bottle, just for the fact that it had the old label on it when it was still made with Real Sugar & not High Fructose Corn Syrup. For the most part it was different and cool to hear her really express her disappointment at the the majority of the booths. Heck, she even dragged me to church; Well kind of, it was the open house of the Trinity Episcopal Church. I ended up buying a $2 bottled water from there just for the privilege of checking out the stained glass donated by people that died 100+ years ago.
It was definitely not my usual AAF, as for the most part in years past we would just make it a bar hopping extravaganza. From what I saw most people did do it as I saw a ton of cups originating from Coulter Bay on the street. It was the right move as I just wanted to avoid my "friends" this year & the unbalanced relationships that I have had with them in their favor for many years.
In my own personal take to
(e:paul)
In a crazy way I can see her point, but not in the same light as she was referring. As I have explained to people before, I am one of the few people that would leave this area for the reason of finding a descent wife. Usually the cause if career/job but for me it would be for someone that I can relate to and find attractive.
There are attractive people in WNY, but to be honest I wouldn't want anything to do with the self absorbed hotties that are around here.
So I can agree with you that there ARE attractive people around here. The point I totally disagree on is that there are very few quality people to take them any further than 1 or 2 nights.
Although for me in reality that really isn't too much of a attainable goal. As for me I just can't keep up a "normal relationship" with a "normal girl" just for the sheer fact that I just can't keep up the facade that I must have to go on. Eventually anxious or mildly depressed me will come out & when he does it's all over. So I guess that's why I end up with the goth chicks or the one's with low self esteem/wight issues. Especially the goth chicks, as I actually brighten them up to an extent and they can deal with my semi-regular lows.
At the end of the day on that topic, Dr. Neil Clark Warren is so right; You can't enter into a marriage if you're depressed. Any descent person just won't put up with your moping and whining.
So there it is a vulnerable
(e:strip) post. Usually I'll lock it away some place else.
On the surface it seems easy to place the blame with consumers who took out loans that were too big, but we have to understand that Countrywide, for example, was intentionally giving out loans without regard for people's ability to pay them back -
The complaint in the case agains Countrywide execs: link:http://ag.ca.gov/cms_attachments/press/pdfs/n1582_draft_cwide_complaint2.pdf
"Defendants' deceptive scheme had one primary goal -- to supply the secondary market with as many loans as possible, ideally loans that would earn the highest premiums. Over a period of several years, Defendants constantly expanded Countrywide's share of the consumer market for mortgage loans through a wide variety of deceptive practices, undertaken with the direction, authorization, and ratification of defendants Sambol and Mozilo, in order to maximize its profits from the sale of those loan to the secondary market...
In addition, Countrywide directly and indirectly motivated its branch managers, loan officers and brokers to market the loans that would earn the highest premiums on the secondary market without regard to borrower ability to repay. "
I've been through three mortgage processes - As an informed and proactive consumer, there's no way I would have ended up with a subprime loan or one too big for me, but I can certainly see how easy it would be for someone to be talked into this. Most people do not have the skills to analyze loan amortizations. Hell, way too many people do not have the skills to set up an accurate and useful household budget with clear financial goals, so they wouldn't be able to tell what's too big or exploitative.
I'm sort of in the middle. I don't feel badly at all for people who bought more house than they could realistically afford, but on the other hand I think lenders' collective dishonesty is just as much a part of it as buyers' collective irresponsibility. Also, keep in mind that millions of these people are also honest people that probably do need some sort of relief due to market tinkering. I think it will be vetoed anyway, but like any kind of large government bailout, people are bickering about where the money is going to go in petty and greedy ways. That should be a familiar procedure to any local person following our waterfront development and the bridge that will never be built!
With respect to oil, for the first time in my life I think stricter regulations on commodities trading are necessary. As you know I'm no socialist. Specifically I'm talking about buying oil futures on margin, but I suppose you could extend it to corn these days as well. Currently the initial margin requirements for crude oil futures are FAR less strenuous than those required for investment in stock futures. Considering how stagnant the market has been in comparison to oil prices the past few years, it almost seems like a brainless bet - the investment looks more promising and its actually a "cheaper" gamble to make. In this case the rules are allowing speculators to affect artificial increases in the prices of crude irrespective of supply and demand. We all know that market movements like this are based on speculation and to be honest, largely fear. Global supply and demand does not explain how we went from $60 a barrel to $140 in a matter of a year or two.
In my view anyway, right now the rules are allowing large investors to tinker with the system in ways that affect the general populace in too drastic of a manner. Speculators aren't the only problem (weak dollar doesn't help) but at the very least trading futures in the commodities market should be just as expensive as it is in the stock market.
Well done.