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This really doesn't surprise me all that much. It seems that a man who takes a pessimistic view of any topic usually winds up doing more research on the subject. He is the one who is trying to disprove what the majority accepts as truth. I think that more people who believe in God are going...

I don't believe they are anymore. Not 100% sure about that though.

I wonder how much more in premiums our doctors are paying in malpractice insurance in order to protect themselves from our litigious society than other countries. They have to pass that buck on to the consumer otherwise they are out of business. See if any of the lawyers running our...

I worked at a subprime mortgage company for three months, and I have to say that the fault falls equally in my eyes between both the mortgage company and the consumer. When I started there, we offered HELOCs to people for the purpose of debt consolidation. It was helpful to them because it...

I decided to morph the Hillary/Obama love child: <img src=http://www.elitetrader.com/vb/attachment.php?s=&postid=2057477>

trying this out <img src=http://www.elitetrader.com/vb/attachment.php?s=&postid=2057474> Nice. It worked

Notable Quotables: "Fuck! Why didn't I think of that?" Bill Clinton five minutes after McCain names his running mate.

I am really excited about the prospect of a new stadium in Los Angeles with Ed Roski's proposal. The concept looks great. You can view it here: http://www.losangelesfootballstadium.com/ So far this proposal has gotten the best reception from the NFL. The location is great for 2 reasons...

I would probably buy gas today if I were you even though you don't need it. Looks like prices are going to get higher. Might as well get one more full tank before it goes up again.

I saw the movie and it was horrible. Going into it, I thought it might be mildly funny and at least you get to see Jessica Alba. They could have given her a topless seen, and it still couldn't help this piece of shit. In my mind, that is saying a lot.

Obama's platform is change. As in what is going to be left of your paycheck once all his tax hikes are implemented.

If you are trying to boost the economy, you want people spending, not investing. $800.00 means nothing to wealthy people. In other words, getting an $800.00 rebate is not going to cause a wealthy person to go out and start spending more. Someone with less money however, has the opportunity...

In the video, it mentions that they are talking to 29 registered Republicans. It is a Republican focus group following the Republican debates. Hardly a conspiracy. Of course they are going to be supporting Republican candidates and comparing them to Clinton. What would be divisive is if they...

He was addressing the original poster, not you. He even quoted the other guy to begin with.

This is a rather ridiculous statement. Property has value regardless. Much like money used to have value when it was backed by the gold standard. Unlike money these days though, property is still tangible. If paper money became useless as in a depression, the first people to lose there...

What I find comical about the situation is that the government acts as if the mortgage industry set out to screw borrowers from the beginning. It was the government that mandated fair lending laws which in essence forced lenders to create loans for high risk borrowers. What they fail to...

The guy has taken his team to 10-1 going into last night and you tell him to reitre? A little perspective is in order here. I think Aaron Rodgers is a free agent after this year. The Bears should give serious consideration to this guy.

If anyone has seen No Country for Old Men, I am very curious to hear how it was. I can't find a local theater that is playing it. I really enjoy the Coen brother's movies too, so I'm bummed that I haven't had the chance to view it.

You are confusing origination points with YSP. Yield spread is strictly paid out by the lender. It does effect the rate in that the more yield spread that the broker gets, the higher the rate must be. However, that is why the consumer should shop around. They also need to pay attention to...

I used to work for a subprime company that was a "direct lender", and I quit because they were shady. Along with charging exorbitant origination fees, they would take 3 points YSP which was the most you could get. This would max out the rate offered to the borrower. It was my first mortgage...