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the US median price from 1970
(2007-12-07 19:46:13)

TheUSrealestatemarketcontinuestostruggle.Forsomeperspective,today'stopchartillustratestheUSmedianprice(adjustedforinflation)ofasingle-familyhomeoverthepast37yearswhiletoday'sbottomchartpresentstheannualpercentagechangeinhomeprices(alsoadjustedforinflation).Whilethe1995to2005rallyinhomepriceswasimpressive,sotohasbeenthefollowingdecline.Infact,thecurrentdeclineisgreaterthananysince1970.
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Straight Talk on the Mortgage Mess from an Insider
(2007-12-06 20:59:36)
StraightTalkontheMortgageMessfromanInsider 12:11:23PMDecember6th,2007 Permalink  |   Comments(230) Evenbeforethismortgagemessstarted,onepersonwhokeptemailingmeoverandoversayingthatthisisgoingtogetrealbad.Hekeptsayingthiswasbeyondsub-prime,beyondlowFICOscores,beyondAlt-Aandbeyondtheimaginationofmostpundits,politiciansandthepress.WhenIaskedhimwhysomebod...[阅读全文]
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袁伟时：笑声泪影中的苦难和智慧
(2007-12-05 08:20:44)
 袁伟时：笑声泪影中的苦难和智慧
发布者siyu在07-12-0508:49
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　　　　　　　　　　　　　　　　　　　　　　　　　　　　袁伟时
“学问有一半是在闲聊中得来的。”1956年，我访问剑桥大学，一位教授请喝下午茶时说的这句话，一直未能忘怀。的确，许多思想火花是在自由交谈中[阅读全文]
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How big is financing in the economy? (ZT)
(2007-12-03 20:38:34)
Howbigisfinancingintheeconomy?Onewaytomeasureit:18%ofthe$13trillionmarketvalueofS&P500companiesisforthefinancialsector.Thatbulgeisabigpartofwhythemarkethasbeenchoppysincelastsummer:Creditproblemsaredraggingdownthebanks,brokersandinsurers.Anothermeasureisprofits.Thefinancesectoraccountsfor28%oftheindex'scombined$748billioninearningsfor2006.Thoseearningsarelikelytobedownin2007whenwriteoffsareinc...[阅读全文]
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a 2006 view of subprime crash(ZT)
(2007-12-02 21:17:38)
thisisanexcerptfromapostbackin2006:
"Iworkedasanindependentloanofficerfor2yrsinHouston.Ispecializedincashoutrefisinsubprimemarket.I'dbuy200leadswhoinquiredonlinebytargetzipcodeinHoustonareapermonthinhopesofclosingatleast6-7.I'dpullcredithistoryandtheyalleitherhadhugedebttoincomelevels,poorpaymenthistory,delinquencies,chargeoffs,andorbankruptcy.Thatiswhytheyweresubprime.Iworkedwithallincomeleve...[阅读全文]
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Why People Struggle Before Declare Bankruptcy?
(2007-12-02 17:56:40)

WhyPeopleStruggleBeforeDeclareBankruptcybigturtle
NEW12/2/20075:20:54PM Let'ssayUSgovernmenttakesastrongpositiontostopallforeclosureprocesses.Theyforcecreditorstoacceptlosefor"thesakeofpeople(citizenswhovote)".Whatnext?
1.Bankswhoholdmortgagecannotforecloseandreceivenointerestandprincipalpayments.Depositors(manyarecitizenswhovot...[阅读全文]
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The $41B Bomb Citi Doesn\'t Want You to Know About(ZT)
(2007-12-02 08:12:15)
Partofourjobhereistocall“Shenanigans”whenweseethem.Earlierthisweek,Citigroup(C)announcedthattheyhadcutadealwiththeAbuDhabistate-sponsoredfund,AIDA,topump$7.5billionintothecompany.Thishassincebeenwidelyhailedbythemediaasthereasonthatthemarkethasbeguntorebound.---Balderdash!---TeekaTiwariAteighteenyearsofage,TeekabecametheyoungestemployeeatLehmanBrothers.Twoyearslaterheshatteredconventiononceagain...[阅读全文]
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a mortgage business model similar to the 60s and 70s(shooter)
(2007-12-02 07:46:14)
Hereareacoupleofquestions:
1.HascreditavailabilitytobuyersofresidentialREtightenedinproportiontothecarnageseeninthesecondarymarkets?
2.IsitanycoincidencethatmedianpricesinCAwerestillat$580,000inAugust.....andattheendofOctober,2monthslatertheywereat$497,000atthesametimejumbotermstightenedup?
Myanswerto#1isno.Creditisstillavailableonhistoricallyeasyterms.Givenwhatisgoingon,thereisonlyone...[阅读全文]
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中国安徽省政协常委汪兆钧致函胡温引发海外强烈反响zt
(2007-12-01 22:40:12)
中国安徽省政协常委汪兆钧致函胡温引发海外强烈反响
发布者thchen在07-12-0110:38
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　　　　　　　　　　　　　　　　　　　　　　　　　　记者：东方
今天我们对比介绍的是中国官方媒体没有刊登的，被称为“十七大政治和国情补充报告”的中国安徽省政协常委汪兆钧给胡锦涛和温家[阅读全文]
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Lower rates in a credit contraction(smokey)
(2007-12-01 22:13:21)
Lowerratesinacreditcontractiondoesnotnecessarilycreatemonetaryinflation.
Addtothecreditcontractiontheassetdeflationinrealestateandthefinancialderivativesthereofandevenzerointerestrateswillfailtoinflatethesystem.
It'sliketryingtopump-upatubelesstirewithabrokenrimseal.Eachpoundofairyoupumpintothetireexitsintotheatmosphere.
Inourownfinancialsystem,dollarsarenowdisappearingmuchfasterthanth...[阅读全文]
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