On backing down and just walking away ...
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7 years ago
last modified: 7 years ago
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maire_cate
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7 years agolast modified: 7 years agoRelated Discussions
Walk Away The Pounds?
Comments (11)Hi Stephanie, Oops, this turned into a novel, sorry. I think I forgot that I was not talking on the phone to one of my friends! I hope you like to read :-). Well, I had typed quite a bit back in response when I suddenly lost the forum, boooo! I'm a slow typer so I hate when that happens. I will start again! It is so funny to read your post, we have very similar hobbies! I also used to babysit, but no longer. I now volunteer at a school and the public library, between 4 and 30 hours a week depending on the time of year. I also enjoy gardening (except weeding :-)!) and I have always loved to cook, especially to bake! I do not bake much anymore, when I do I try to use less white flour and butter, and more whole grains and fruit. I also apply this to my cooking. Most recipes taste the same with much less fat, even in baked goods you can generally leave out half of the fat without effecting the recipe. Sometimes you need to add fruit puree to replace some of the fat, most of the time that is not needed. For cooking, I serve more vegetables and smaller portions of meat. For individual meals I usually serve about 4 ounces of meat. Then they can eat what they want of the sides. Vegetables, brown rice, mashed pot. with buttermilk and butter buds, baked potatoes with low fat sour cream, stuffing made with whole wheat bread... you get the idea. I also put out fresh fruit that is ready to eat, washed berries or grapes, and other fruit that is cut up. No, we don't eat as healthy as we should every night, but every little bit counts. Last night was tacos made with 96% lean ground beef, beans, lettuce, black olives, tomatoes (from the garden :-) ), low fat cheese, and low fat sour cream, with salsa and a bit of salsa queso on the side. Not a typical diet dinner, but much better for you than taco bell! I always use 93% lean or better ground beef, I do not deep fry, and I rarely pan fry. Does this sound preachy? I don't mean it too, I am not an over the top health nut, just trying to keep my family healthy and happy at the same time. My husband says he would be happier if I would make breaded pork tenderloin with fried breaded zucchini twice a month! He would also be 10 lbs heavier! I try to exercise some each day. Not always a video, sometimes a walk or walk/run outside, sometimes a bike ride, sometimes my Gazelle (it's fun and I can watch a TV show I want to see at the same time), sometimes I spend about ten minutes running up and down my stairs. I usually try to do some toning when I exercise, I alternate upper and lower body. I also have other videos when I want something completely different. I also like Kathy Smiths Step Workout, Time-saver Lift Weights to Lose Weight, and New Yoga video (I only do the standing portion - it is so relaxing! but I cannot do the floor portion - it's killer!). I also enjoy the Extreme Makeover Fitness video. I try to exercise for thirty minutes about five days a week, sometimes I don't manage that, sometimes I do more! But I find that as long as I do something and don't sit on the couch eating chips (like when I'm PMSing - this week, EEK!) that I like what I see in the mirror. If I slack off too much (don't do anything for days or weeks on end, it happens) then my bottoms start to get a little tight and when I look in the mirror I look like a slob. My husband says I look the same all the time! That is probably true, I dare say it is just guilt when I know I have been really bad that makes my think I don't look good. It could be the weekly Saturday trip to Dairy Queen, but you have to live! And I love ice cream! Oh yes, very important, I make sure I eat a good breakfast every day. Sometimes just a quick bowl of cereal, sometimes oatmeal with fruit, or whole grain toast with fruit. But something with fiber so it sticks with me for a while. Make sure you get your fiber. I was reading a study that said that most adults get less than half the fiber they need. It said if you started eating the recommended amount of fiber, you could lose 10 lbs in one year without changing anything else. Eating that much fiber would be a challenge, I try to eat more than I use to. Hmm, this got really long! I'm going to stop and go have some breakfast now that my son is up! If I missed a question let me know. Do you have any other hobbies? I also read, crochet, sew, do machine embroidery, quilt, paint, do puzzles, and help my husband and son with their hobby - collecting sports cards and memorabilia. Believe it or not, playing with sport cards is fun! Oh yes, I always sit on my yoga ball when I sort cards, I figure it should be good for my abs!...See MorePlease help...going cray - my new washer is walking away!
Comments (8)Shipping bolts is a real good place to start. The next thing to check is whether the weight of the washer is shared equally on all four feet. You can test this by feeling with your finger where each of the two front feet meet the floor while someone else is trying to rock the washer on the diagonal. If you feel either of the feet moving, even ever so slightly, then you should adjust the foot that moves until it doesn't move anymore. If niether of these suggestions is your problem, then you might just have a slippery surface underneath the washer feet. One thing you can try to fix this is to put double-sided tape under each of the two front feet. If that improves the situation but there's still a bit of movement, you can try doing it to back feet as as well, but getting to the back feet is a real hassle....See MoreJust Walk Away, Rene
Comments (45)Oh for god's sake let's not start dragging the aclu into this. I can't find it now, but just a couple hours ago I read where prime forclosures are starting to creep upward. One of the people profiled in the story was in Vegas--true, a declining mkt, but she had a good job as technology head of a casino and a fairly reasonably priced house. Nevertheless, in '06 or '07 she was bait-and-switched into an interest-only loan w/ a $40,000 prepay penalty that doesn't go away until 2009. (Countrywide) That $40k is more than 10% the amount of the mortgage. I thought to myself 'how the heck did she get into such a loan??' Then I noticed the picture. She's black. And yes, that does make a difference. Conservative pundits may protest till they're blue in the face that it's not color, it's poverty, or lack of education, or whathaveyou. But that's bull. It's color. Minorities are many times more likely than whites to get overcharged or offered only inappropriate products. It happens over and over again. Just a year or two ago, most of the big life insurers settled a class action case where they essentially were forced to admit that they'd charged blacks more for life insurance products over decades. They'd also churned these accounts and done all sorts of other fraudulent things. I used to date a guy who worked in a mortgage office located in a black neighborhood in Bklyn. This place was scam-central. I read years later that the company had been shut down by the atty general. It's a disgrace that it took so long. Even as a college kid I could tell they were in the business of ripping people off. So, bottom line, the fact that the aclu and others have fought to force lenders and other financial companies to a) do business with minorities at all, and b) do so fairly without adding a 'color surcharge,' has absolutely nothing to do with the fact that we're now in a mortgage meltdown caused by lax lending and fraud. What does have to do with it? Well, whoever invented the idea that people should convert unsecured loans to secured loans by taking out home-equity loans to pay off the CCs, for one. They're still running those ads in my area. What gets me is not only that shady 'credit counseling' companies would push it (why not, there's a buck to be made) but that it actually makes it into 'financial advice' given by so-called experts on tv and in magazines. Also, the Fed, by keeping the money supply so cheap and plentiful for so many years. Check out Jim Jubak on msnmoney.com for multiple well-thought-out discussions of why and how the Fed caused the last several asset bubbles, and why the current rate-lowering is setting us up for the next one. And of course the loan machines--I mean banks--that keep inventing ways of lending money to people under terms that are meant to look like they're good for consumers, but are actually just a way of dragging out the repayment and therefore increasing their profit (I/O, 40-year, exploding ARMs, etc). Finally: I was watching 'My First Place' on HGTV last night. A young couple was looking for a house somewhere in the mountains out west. They were completely unreaslistic about what they were going to get for ~$200k, I thought, but then lo and behold they found a place. Paid $225k. At the end, when they're showing the closing, I almost jumped out of bed--they took out a 100% interest-only ARM mortgage! They were shown signing the 'adjustable rate disclosure' without even reading it! I almost shouted--they still do those?!? I don't know when this was filmed, but it's a pretty new show. I wonder if they're foreclosed yet....See MoreJust walk away, Rene, part 2
Comments (12)It is far easier and in the end more profitable for Inman as well as other media outlets to attempt to place the blame on the average person Âas opposed to the hugely powerful RE/finance community. AndÂsince they have a certain percentage of the population eating out of their hands in actually falling for the party line that it is all because of the borrowers, one canÂt really blame them for continuing to pretend that the emperor really is wearing clothes. Which begs the real questionÂwho is the most "stupid"? Those who did not know better, and got themselves into a pickleÂÂ.or those who continue to remain in denial in terms of the fact that those who caused the problem, have made millions and more doing soÂand, are rewarded for their "accomplishment"? Once againÂfollow the $$$$$$$$$$$$$$$ Here is another story about just how far reaching this game has become..with a whole new twist...lengthy, yes...but worth reading... Excerpt: "....The Mahers claim Lehman's money managers were negligent and violated federal securities regulations when they placed more than half of the $600 million in so-called auction rate securities allegedly tied to two now-troubled bond insurance companies, MBIA and Ambac Financial. The outcome of the dispute, experts said, may hinge on whether the Mahers can prove the choice of investments was a deliberate attempt by Lehman Brothers to dump securities on an unwitting client as the sub-prime mortgage crisis boiled over last summer. For years, auction-rate securities were considered good investments for institutions and wealthy individuals who wanted to park their money for a short time and still earn an attractive interest rate. They were seen as alternatives to money market funds and short-term commercial paper. They were also considered safe. Auction-rate securities are debt instruments -- issued by entities such as municipalities, hospitals and housing finance agencies, as a way of generating money. While they are rated as long-term bonds, they are sold as short-term securities at periodic auctions, hence their name. The auctions occur as frequently as every seven days when the interest rate is reset. Every time an auction is held, investors are able to pull out their original investment plus interest as other buyers replace them. While the high yield and ability to access the money are benefits, the single biggest risk is that an auction will fail -- that there won't be buyers to replace the original ones. When that happens, the value of the security can plunge. But it's so rare as to be almost inconceivable. That's why no one was prepared for what happened last summer when subprime mortgage market collapse. THE AUCTIONS FAIL The lion's share of the Mahers money, according to the claim, was invested in auction-rate securities tied to the bond insurers MBIA and Ambac Financial. Bond insurers write policies ensuring lenders will be reimbursed if the borrower can't pay back the money, and they play a critical role in the debt market. State governments, for instance, cannot raise money by selling bonds without insurance. But over the last few years, the insurers entered into riskier investments such as subprime mortgage securities. Now, they're under fire from debt rating agencies, who fear they don't have the cash to cover claims. In early August, the Mahers claim Lehman used nearly $168 million of their money to buy auction-rate securities despite an earlier failed auction, which prevented a set of similar corporate securities from being sold, according to the Mahers claim. Around Aug. 14, Lehman tried to sell a security held by the Mahers. That auction also failed. Four days later, the Mahers allege Lehman reinvested more than $57 million despite three more failed auctions. Lehman declined to comment on specific allegations. By late August, roughly a month after the account was opened, John Liu, the Mahers advisor-friend, received a monthly portfolio statement from Lehman detailing some of the investments. In two e-mails to Will Gourd, one of Lehman's money managers, Liu complained about the firm's choices. In the claim, the Mahers said Lehman liquidated a small portion of securities in their portfolio, but "either did not or could not liquidate a majority of them, as the auctions associated with them failed and continue to fail." At least one of the securities that could not be sold, dubbed Double Oak Trust Series 2007-1, was insured by MBIA. What that means for the Mahers is this: $286 million remains tied up in securities that cannot be sold because no one wants to buy them. But what's worse, no one is certain what the securities will be worth once the credit crisis passes. Typically, brokerage firms require investors to sign an agreement saying they will arbitrate any problems. So, it will be left to the arbitrators to decide whether Lehman did something wrong or whether the Mahers were swept up in a set of circumstances that turned what would be an ordinarily safe bet into a bad one. "It's likely Lehman is going to tell a different story," said Thel, the Fordham professor, before adding, "If the facts are as they allege, they (the Mahers) have a substantial chance of prevailing." Charles Jones, a finance professor at Columbia's Graduate School of Business, said arbitrators will take into account what was promised by Lehman and the sophistication of the Mahers. "They could be sophisticated businessmen, but that does not always translate to sophistication about investments," he said. "It will depend on a whole set of factors that are impossible for us to see as outsiders." "...See MoreUser
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