Have you ever unexpectedly bonded with or really helped out a homeless person?

[-SD-]

The ones in NY are scary and cracky. The stories you hear from people helping them are not good. You give them a sandwhich... they throw it at you becaus ethey want drugs. I let a guy clean my windshield in Brooklyn recently and gave him a buck. But even those guys run scams. Make sure your other window is totally closed as they will have their friend grab all your stuff on your front seat. It just makes it hard tom speak to people knowing that many here are dangerous. Here on LI I honestly don't see many. People here have money or live in the shitty area for the most part.

Jrsus rob
In austin teh bums are very grateful and respectdful. No one woyld ever run thosr scams. If i give someone a can of tuna they thank me like im jusus h christ
Im on austin texas

 

[javaguru]

I would like nothing more at this point in my life, than to punch you square in the fucking mouth. You are one ignorant mutha fucker, regardless of how fucking educated you are.

You could try but I would take you down and knee you in the head until you were unconscious and then take pictures to post. Internet "tough guys" are a dime a dozen...I think there is a nine year old girl on some message board you should threaten to feel tough.

 

[javaguru]

^----subprime exists in all facets of finance. to say they shouldn't exist in 1 sector is ignorant. The risk just needs to be mitigated more effectively. And to point out that subprime loans were the sole reason for the real estate crash is also uninformed. While they had a large effect, spec investing and overdevelopment was just as much to blame.

how many people on this forum right now have a car note with an interest rate about 10%? Should they be denied financing completely because they don't have a 700 credit score?

Alternative non conforming credit will and always has existed in america for the past 70 years. And while it was clear that certain programs need to be eliminated and guidelines tightened, to say "subprime" shouldn't exist in any capacity is shutting out a majority of america for opportunities to own a reliable or home. At the same time, people shouldn't (and won't be) handing out blind checks without proper qualification.

What constitutes subprime is a very broad term. You can make 300k a year and only have 80k a year of revolving debt and still have a non prime credit score because of a previous bankruptcy/foreclosure or judgement that was satisfied. as well as a variety of other reasons.

Ignorant people with no knowledge of finance tend to assume "oh because they have bad credit, that means it's an opportunity to gouge them and exploit them". No, it's a very straight forward statistical analysis of the risk being assumed and how to mitigate losses based on default rates. Higher risk, higher interest rate. What constitutes those loans was the problem as well as the structure of the secondary market. Not the broad concept

I did my law school thesis in banking law on the S&L crisis..."I know how shit works. " They did the same thing when community banks were allowed to make commercial loans in the 1980's. In Dallas they doubled the office space, based on the bubble mentality, within five years and they were bailed out. Bill Clinton bailed out Wall street twice and most people don't know about it. Crony capitalism and capitalism aren't the same thing...

 

[jackangel]

You could try but I would take you down and knee you in the head until you were unconscious and then take pictures to post. Internet "tough guys" are a dime a dozen...I think there is a nine year old girl on some message board you should threaten to feel tough.

step 1: call out an internet tough guy

step 2: act like an internet tough guy

step 3: get called out for acting like an internet tough guy

<<you are here>>

step 4: explain that you're not acting like an internet tough guy

 

[javaguru]

step 1: call out an internet tough guy

step 2: act like an internet tough guy

step 3: get called out for acting like an internet tough guy

<<you are here>>

step 4: explain that you're not acting like an internet tough guy

It's called irony...How do I translate that to hindu talk?
Can I see your immigration papers? Indians are almost as shady as Mexicans...

 

[jackangel]

It's called irony...How do I translate that to hindu talk?
Can I see your immigration papers? Indians are almost as shady as Mexicans...

step 1: call out an internet tough guy

step 2: act like an internet tough guy

step 3: get called out for acting like an internet tough guy

step 4: explain that you're not acting like an internet tough guy

<<you are here>>

 

[calveless wonder]

I did my law school thesis in banking law on the S&L crisis..."I know how shit works. " They did the same thing when community banks were allowed to make commercial loans in the 1980's. In Dallas they doubled the office space, based on the bubble mentality, within five years and they were bailed out. Bill Clinton bailed out Wall street twice and most people don't know about it. Crony capitalism and capitalism aren't the same thing...

what was that about starting over?

 

[javaguru]

what was that about starting over?

I didn't "start over" because I graduated from law school and took my MCSE tests and was working before any of my classmates took the bar. I never took the bar or practiced law....the only "real job" I've ever had outside of the military has been in IT and that goes back as far as 1998...

 

[puddlemonkey]

I didn't "start over" because I graduated from law school and took my MCSE tests and was working before any of my classmates took the bar. I never took the bar or practiced law....the only "real job" I've ever had outside of the military has been in IT and that goes back as far as 1998...

If you haven't had a new job every year then you haven't truly lived.


rite cw? amirite?

 

[javaguru]

step 1: call out an internet tough guy

step 2: act like an internet tough guy

step 3: get called out for acting like an internet tough guy

step 4: explain that you're not acting like an internet tough guy

<<you are here>>

Captain obvious 2.0...I made that post intentionally and you didn't need to point it out because I made it so obvious a barely competent English speaker in new Delhi could tech support it as a sub-contractor for Dell. It isn't like I challenged him to a foot race meat up...That would be for serious...