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ColdCruiser's Comments

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Edward Snowden Is A Ron Paul Supporter

Edward Snowden Is A Ron Paul Supporter

Commented Jun 10, 2013 at 12:52:20 in Politics

“Gave me what I asked for? I asked for evidence of Ron Paul's explicit or implicit support of slavery.

You gave me something *his son* said about the right of a private business to racially discriminate. The word slavery does not even appear in your link.”

Lawyer822 on Jun 10, 2013 at 15:53:40

“ColdCruiser I would like to apologize that my information was incorrect. You are correct this was not Ron Paul. My apologies”
Edward Snowden Is A Ron Paul Supporter

Edward Snowden Is A Ron Paul Supporter

Commented Jun 10, 2013 at 12:16:29 in Politics

“Way to move the goalposts. This article is about the right of a business owner to serve/not serve whoever he wants.

Still waiting on evidence that Ron Paul is okay with a person *owning* another person.

Pretty weak, Lawyer822.”

Lawyer822 on Jun 10, 2013 at 12:41:39

“Talk about moving the goal post.  I gave you what you asked for and of course that isn't enough.  Never will be for the likes of you...”
Edward Snowden Is A Ron Paul Supporter

Edward Snowden Is A Ron Paul Supporter

Commented Jun 10, 2013 at 10:40:03 in Politics

“Is someone - anyone - going to provide me with proof that Ron Paul would've passively or actively supported slavery?”
Edward Snowden Is A Ron Paul Supporter

Edward Snowden Is A Ron Paul Supporter

Commented Jun 10, 2013 at 10:18:04 in Politics

“Link?”
Edward Snowden Is A Ron Paul Supporter

Edward Snowden Is A Ron Paul Supporter

Commented Jun 10, 2013 at 10:11:21 in Politics

“Ron Paul believes in self-ownership, and would never, ever support (or look the other way on) slavery. Get your facts straight.”

camill on Jun 10, 2013 at 10:35:33

“Please change your handle to nocluecruiser.”

Lawyer822 on Jun 10, 2013 at 10:19:39

“Maybe you need to get your facts straight before defending Ron Paul.”

jlgcox on Jun 10, 2013 at 10:14:09

“Apparently, you missed at least one interview Ron Paul has had. ”
Craigslist Wedding Date Post Leads To Truly Incredible Date (PHOTOS)

Craigslist Wedding Date Post Leads To Truly Incredible Date (PHOTOS)

Commented May 21, 2013 at 08:47:01 in Weddings

“You sure do spend a lot of time scolding people for enjoying this non-story.”

David Martiian on May 21, 2013 at 17:24:46

“...i didn't scold anyone...it's a non-story...”
As Housing Markets Recover, Wall Street Beats Families To Homes

As Housing Markets Recover, Wall Street Beats Families To Homes

Commented May 20, 2013 at 17:32:11 in Business

“But it's their birthright to live among the hip restaurants and coffee shops.

Down payments are lame.”
As Housing Markets Recover, Wall Street Beats Families To Homes

As Housing Markets Recover, Wall Street Beats Families To Homes

Commented May 20, 2013 at 17:17:05 in Business

“There's a definite tendency to label any group of 2 or more who invests money for a return "Wall Street." And to assume that they're evil and unpatriotic.”
As Housing Markets Recover, Wall Street Beats Families To Homes

As Housing Markets Recover, Wall Street Beats Families To Homes

Commented May 20, 2013 at 17:14:08 in Business

“Well put.

Let me just say that if you took a poll of 100 people who put all of their money into buying a house in the early 2000s, and 100 people who rented - the renters would have a higher net worth and far less stress. Buying is not always a good idea, especially when you tack on 6% agent fees on both sides of the transaction, property taxes, maintenance, insurance and 30 years of paying interest on a loan.”

nnears on May 20, 2013 at 17:53:08

“Agreed...but it took me owning, selling and buying again to realize all of this. Owning a home is no picnic and only worth it if you have the means to support it fully. (Thankfully, I had plenty of equity when I sold my 1st house)”
As Housing Markets Recover, Wall Street Beats Families To Homes

As Housing Markets Recover, Wall Street Beats Families To Homes

Commented May 20, 2013 at 16:53:52 in Business

“The "huge tax break" is a rebate on taxes and interest that you pay and I don't.”
As Housing Markets Recover, Wall Street Beats Families To Homes

As Housing Markets Recover, Wall Street Beats Families To Homes

Commented May 20, 2013 at 16:47:04 in Business

“The people being crowded out are largely trying to FHA their way into the housing market with a 3-5% down payment. The very first example in the story mentions the couple's lack of a down payment. Borrowing 95% of the home's value is extremely risky.”

Dad2three on May 20, 2013 at 20:42:23

“It worked for many years, until Bush took the regulators off the beat...”
As Housing Markets Recover, Wall Street Beats Families To Homes

As Housing Markets Recover, Wall Street Beats Families To Homes

Commented May 20, 2013 at 16:38:22 in Business

“Lazy how? I pay the agreed-upon rent, on time. I like to rent because I like my money in liquid investments plus the flexibility to leave if I'm unsatisfied at the end of my lease.”

RealistBC on May 20, 2013 at 16:45:22

“And you give up a huge tax break because you are too lazy to be a responsible homeowner and have something for your old age.”
As Housing Markets Recover, Wall Street Beats Families To Homes

As Housing Markets Recover, Wall Street Beats Families To Homes

Commented May 20, 2013 at 16:20:20 in Business

“If you don't have 20% for a down payment, along with at least 6 months of living expenses saved up in an emergency fund, you are not ready to purchase a home. Sure, you can get a loan, but you'll be on thin ice.

Nothing wrong with renting for a while while you build up your cash position.”

ItsGood2Think on May 20, 2013 at 17:07:10

“I understand your point but doing the math that would mean that the average homebuyer would have to have about $45K on hand. Maybe a few might achieve that by their mid-40's which would basically kill every industry associated with housing. Hence the background for the whole sub-prime mess in American (and just about every other advanced country). It is definitely a rock and a hard place....sub-prime loans that will bubble burst in a handful of years or kill the housing market. So you can understand the shift to "renting" because few have the $45K but many can make the monthly payment. So you are looking at the new norm...rent apartment during your 20s...may shift to rent a house in your 30-40s. Nice strategy by the Hedge Fund Managers and Banks but only if they get cooperation from the Hedge Fund Managers and Banks that own the apartments. But from what I see these owners are raising rental rates on apartments so that they basically equal the costs associated with a house..no money left over. Not a pretty picture... Hedge Fund Managers and Banks will become the universal slum lord throughout the country. The only possible solution that I can see will start with breaking up the banks and restricting Hedge Funds from dealing in residential real estate.”

yakmeat on May 20, 2013 at 16:45:53

“And if you've got student loans, that while could be about 20 years or so.”

Souris9 on May 20, 2013 at 16:44:08

“What does that have to do with anything addressed in this article?”
As Housing Markets Recover, Wall Street Beats Families To Homes

As Housing Markets Recover, Wall Street Beats Families To Homes

Commented May 20, 2013 at 16:12:38 in Business

“"They have good credit, steady jobs and decades worth of earning potential ahead of them, but not a lot of money for a down payment."

So.....they should wait until they have a sizable down payment.”

Souris9 on May 20, 2013 at 16:45:38

“...and it won't make any difference. Maybe read the article?”
As Housing Markets Recover, Wall Street Beats Families To Homes

As Housing Markets Recover, Wall Street Beats Families To Homes

Commented May 20, 2013 at 16:09:42 in Business

“That's why it's a smart investment.

But renting has its benefits. No transaction costs (agents), more flexibility to leave, property tax, maintenance fees, insurance - all the owner's problem.

I can afford a house, but I like renting for all of the above reasons.”

RealistBC on May 20, 2013 at 16:32:53

“Then you are lazy: from a homeowner.”
As Housing Markets Recover, Wall Street Beats Families To Homes

As Housing Markets Recover, Wall Street Beats Families To Homes

Commented May 20, 2013 at 16:05:03 in Business

“You're very much in the debt trap. According to this post you borrowed 97% of your home's value. You'll be underwater on the slightest correction in prices.”

chill6334 on May 21, 2013 at 10:03:30

“No, actually I'm not. While the banks "approved" me for a $500,000 house, I purchased one for $145,000. I fully intend to have it paid off in around 7 years.

All of which is beside the point. "Underwater" only means something if I intended the house as an investment, to later sell. I'm planning on keeping it until I die. Thus, if the price is corrected down (and there is very little room for that), I say "Yahoo! My property taxes are going down!"”
Michael Moore: The Real IRS Scandal Is That 'They Let General Electric Not Pay Any Taxes'

Michael Moore: The Real IRS Scandal Is That 'They Let General Electric Not Pay Any Taxes'

Commented May 20, 2013 at 09:37:43 in Business

“That was pretty crafty of GE to lose $32B in order to have a Deferred Tax Asset in 2010.”
Obama Student Loan Policy Generates $51 Billion Profit, Causing Democrats To Lash Out

Obama Student Loan Policy Generates $51 Billion Profit, Causing Democrats To Lash Out

Commented May 16, 2013 at 12:56:23 in Politics

“VERY secured.  Banks have lots of assets, the loans have collateral, and the loans are very short term (one day in most cases).  It's not an apples to apples comparison.”
Obama Student Loan Policy Generates $51 Billion Profit, Causing Democrats To Lash Out

Obama Student Loan Policy Generates $51 Billion Profit, Causing Democrats To Lash Out

Commented May 16, 2013 at 10:06:43 in Politics

“All of this focus on rates is a distraction from the core issue: the inflated cost of education. I'd rather borrow $50k at 7% than $80k at 1%.”
Obama Student Loan Policy Generates $51 Billion Profit, Causing Democrats To Lash Out

Obama Student Loan Policy Generates $51 Billion Profit, Causing Democrats To Lash Out

Commented May 16, 2013 at 10:04:51 in Politics

“6.8% on an unsecured loan is actually a really good deal.”

FreedomFreedomFreedom on May 16, 2013 at 12:41:10

“Not when banks are paying less than 1%. How secured are those loans when they're given to institutions that crashed the world's economy and required a bailout?”
Elizabeth Warren: Student Loans Should Have Same Rate Big Banks Get

Elizabeth Warren: Student Loans Should Have Same Rate Big Banks Get

Commented May 9, 2013 at 08:50:17 in Politics

“This is trouble. Making money cheaper to borrow nearly always results in cost inflation.

That alarming stat about loan balances doubling for under-25 folks in ten years? That's because college is too expensive, not because rates are too high.”
Elizabeth Warren: Student Loans Should Have Same Rate Big Banks Get

Elizabeth Warren: Student Loans Should Have Same Rate Big Banks Get

Commented May 9, 2013 at 08:21:44 in Politics

“It's really not. It is very well-intentioned, but artificially low rates (see early 2000s housing market) have the unintended effect of inflating the underlying asset. Here's how it works: Borrower sees a low rate - becomes less price-sensitive - colleges notice this, and raise prices.

This article points out the alarming fact that principal loan balances for under-25 Americans has doubled in 10 years. This has very little to do with rates, and everything to do with cost.”
Elizabeth Warren: Student Loans Should Have Same Rate Big Banks Get

Elizabeth Warren: Student Loans Should Have Same Rate Big Banks Get

Commented May 9, 2013 at 07:55:10 in Politics

“This does nothing to address the problem of tuition cost inflation - in fact, rates this low would likely make it worse. I'd rather borrow $50k at 6% than $70k at 0.75%.”

Kristine Ross on May 9, 2013 at 08:10:12

“No but it is a start.”
Obama Calls Sequester Cuts 'Dumb' And 'Arbitrary,' Blames GOP For Inflexibility

Obama Calls Sequester Cuts 'Dumb' And 'Arbitrary,' Blames GOP For Inflexibility

Commented Mar 1, 2013 at 12:54:10 in Politics

“I'm very worried about the pain that will accompany a very, very slight slowing of spending growth.”
46 Members Of Congress Have Student Loan Debt: Report

46 Members Of Congress Have Student Loan Debt: Report

Commented Feb 12, 2013 at 13:11:41 in Politics

“Some people strategically keep debt because it carries a low interest rate and they'd rather put extra money into a higher-yielding investment.

A friend of mine and I got the same graduate degree from the same college, but his rate was several points lower because he was enrolled at a better time for borrowers.”

qaan on Feb 12, 2013 at 13:54:12

“That is a sound strategy but only if your investments have higher yields, and looking at the last ten years there were many people who would have rued that choice.”

roopsag on Feb 12, 2013 at 13:44:04

“They are taking on more risk than they need. You are less protected under student loans than other forms of borrowing. Further, higher yielding investments tend to also be the riskier ones so it is double risk.”
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