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Kayaking, golf, fishing, motorcycle riding (CBR1100XX), shooting (mostly indoor at the Firing Line), cooking, reading, skiing in the winter...

<p>I'm done with these raffles. I have entered every one since the Palos Verde Art Institute one years ago. Nice to dream, but it is getting expensive. Plus, I hate to say it, they aren't professionally run. At the last Mater Dei one, there were several tickets stuck in the mesh of the...

<p>PeterUK has a great point about SuperShuttle. I have lucked out a few times, but once had to go to Seal Beach, Huntington Beach AND Fountain Valley at 10pm after getting off a 16 hour flight. This after standing on the curb for 30 minutes breathing foul exhaust fumes at LAX while my van...

Is what is happening today a fair comparison to what occurred in 1933? We people able to buy homes with no money down? I don't know, which is why I am asking. It seems that protecting equity was the goal. Today, there is often no equity. I honestly don't think this applies today...

SuperShuttle is $48 each way. Really not a whole lot of cheaper options, it just goes up from there.

Trooper/Graphix - thanks for posting this! I'm stoked that, unlike the Democratic party, Ben Bernake, Clinton and Obama, at least Fair Isaac considers walking away from or not fulfilling your home loan obligations "an account that was "not paid as agreed"" At least as far as FICO scores...

I don't know why we need ANY "assistant principals" who mainly corral kids and are responsible for discipline. I think hs_teacher has it right. Too much ancillary crap involved in education these days. Back to basics. I also think that music and art should be included in the "basics."

Fair, No worries, I didn't take it personally! Righeimer's column is an opinion piece, but he is a "developer" and Costa Mesa Planning Commissioner, as well as an OCGOP Golden Boy, so one would hope he would check his facts before riling people up.

Alan, One would hope that the BK system figures out a way to handle the surge so that folks who get into the system due to legitimate reasons like medical bills, persistent unemployment, etc. are protected while people who utilized liar loans, etc. are dealt with equitably. The problem...

Fair and Alan, Thanks for the clarification. I honestly hadn't considered the judge using discretion and denying fraudsters. Unfortunately, my BK experience is dated (early 1990s) and was in Dallas when I worked for a bank's legal department, handling BK correspondence. Our bank made no...

Fair, I think the point that Righeimer is getting at is that people who lie to get into their homes, or people who made no material investment in their homes (no down-payment, 100%+ equity loans so they didn't even pay closing costs) and who have actually taken money out - those people deserve...

Check out the Costa Mesa/Newport Beach Daily Pilot column "Liars Get Last Laugh" by Jim Righeimer today. Details EXACTLY why there must be NO Foreclosure Prevention Act. http://www.dailypilot.com/articles/2008/03/01/blogs_and_columns/rigonomics/dpt-righeimer03012008.txt

Interesting and illustrative excerpt from today's front-page New York Times article on people just walking away from their homes: "Last year the median down payment on home purchases was 9 percent, down from 20 percent in 1989, according to a survey by the National Association of Realtors...

Alan, "...your making a mountain out of a molehill. Only a very small percentage of bankruptcy's will result in cramdowns. In the vast majority of cases, the petitioner will not be able to service the note anyway and the assest will revert to the lender." I certainly hope that you are...

<p>Max, With the nation in VERY deep economic trouble, the LAST thing we need is feel-good hand-holding that keeps people in homes they could never have afforded without the lax lending standards that prevailed during the boom. If everyone gets a bailout, there is no disincentive for anyone to...

<p>Fair, Good point about sensible ARMs, I was being overly inclusive. If tired's ARM leapt to 17% as he claims, it is most likely an exotic product and not a sensible ARM. </p> <p>I would support elimination of the special exemption from cramdowns in formal bankruptcy proceedings. The...

tiredofbeingwalkedon, I am in the legal industry, where I see the hard reality of bad business decisions all the time. Companies fail, and people lose more than their homes because they did not honor contractual terms. This isn't about good or evil or judgment, but economic reality...

tired, I just re-read your posts and, I have to say - I'm not feeling extremely sorry for you. You ADMIT to gambling on the market. Here are excerpts from your posts: "Maybe some of the blame should be directed at untrustworthy lenders who put us there." "We need to be able to...

<p>tiredofbeingwalkedon,</p> <p>I don't know anything about you or your situtaion. What I do know is that you took me to task for saying that a "foreclosure prevention plan" is crap because your lender sold you on a bad product that has turned your affordable home into an unaffordable home...

tired I absolutely cannot understand how your loan could have done anything that wasn't spelled out in writing as possible when you signed it. I feel for you, and it sounds as if you mistakenly placed trust in someone you had no business placing trust in. But your loan couldn't have...