Tuesday: ask the jews and the polish that question about wwII

tazman7474: Oil prices are down due to world demand being down as a result of the economy, they were dropping before the election starting with Bushes declaration to the end of the executive order on the drilling ban

Tuesday: their lives aren't being destroyed, that is a liberal media slant, they are being liberated now without fear of retribution for innocent actions as they were before, but that won't be reported until the end of janruary,

Tuesday: no it is not, Bagdad is under control of the Iraqi's, their crime rate is lower than chicago's,

Tuesday: Did you see the hundreds of thousands of people being murdered and maimed before we went in?

Murder rate in Bagdad is now lower than Chicago

(V): It's a power thing

(V): security depts. FBI, CIA, etc... were not cooperating with each other with information, now they all answer to homeland security and information is centralized and more accessible between law enforcement agencies

(V): It was a new cabinet after 9?11

Tuesday: just a guess but I think Homeland secretary is so low because it is a relatively new post

Artful Dodger: I think it's a case of people getting loans with an ARM that haven't the credit rating or a good enough deal to get the 30 year at a good rate, they probable shouldn't have bought the house in the first place.
about the people defaulting, it's a combination of people that were flipping and got caught in the bubble, people that have lost their jobs or people that their value has dropped and it makes more sense to just let it default, their are more reasons but these are the big 3, usually people telling their personal story on a news/commentary show aren't telling the full story

Artful Dodger: oh that's right, you are an educator , seriously tho, and ARM is just a tool, as Czuch points out a long term buyer wants the stability of a fixed rate at a higher rate, it will be lower than an ARM in the long run while someone who will be in their house a short time or is flipping the house would be better suited with the ARM.
While banks should make this clear, it's not their fault that many people are not savvy about finances
Also remember that most lenders bundle and sell off loans and don't get hurt by people that default

Czuch: Another factor in the interest rates is the equity to loan value, that is to say that if you have 20 percent equity in your home then you will pay a lower interest rate than if you have 5 percent,
another casualty of the bubble

(V): That is a legitamit problem, a casualty of the market bubble that fortunately is hitting the high end homes more than the mid-low end homes

Artful Dodger: Thats not the fault of the Arm, Why didn't she simply refinance to a 30 year, she sure should be smart enough to know that going in, oh that'sright, you said she was in education, that explains it, .
But seriously, An ARM is nothing more that a tool like a credit card it has to be used wisely, And unfortunately many people are not smart about finances

Artful Dodger: There is a good use for ARMs, one example is the bussiness man that transfers frequently but still wants to have his family live in a house, ARMs save that person a lot of money. It's the quotas that were pushed on the banks by the likes of ACORN that caused the trouble

Artful Dodger: thats because they get bonuses for making those loans and then they sell them off, a win-win for those banks

Artful Dodger: I got my number from fox a couple a weeks ago, according to them it cost about $1000 more in labor to produce an American made car with a union compared to an American made non-union made car, Honda I believe, and the wages were about $80 per hour for the union made as compared to about $60 for the non union, this was on t.v. so I can't produce the quote,
Even with your numbers $75,000 to sit in one place and tighten lug nuts when they come by would be a job I'd be more than happy to take

Charles Martel: $80.00 an hour to stand in one place and do a repetitive thing, sounds just comfortable to me

anastasia: Well get used to it as it is already a law that all light bulbs here have to be those energy savings bulbs by I believe 2011. oh and you cant throw the new bulbs away either away

IMO it is absolute arrogance to think that man can cause global warming, Key word is GLOBAL!
For centuries man has attempted to make it rain result failure, man has attempted to stop every weather related disaster, result, failure. everything that causes the earth to heat produces the needed changes to cool the earth. everything that causes holes in the o-zone also produces the things that stop the holes, whales are trapped in the north atlantic from ice this year earlier than any other redcorded year, Last years cold temperatures entirely wiped away the last 100 years of heating so as a result no change in the climate temps. Snow is actually thicker in greenland, by the way why is greenland called greenland? Man tries to conserve forest by not allowing clearing or maintenance result failure. Every scare tactic used by either these fraudes or misguided people with good intentions has proved false starting with the first one I can remember, John Denver and his"by 2000, there will be no trees".
These are just my opinions that I will never change because no one can prove them wrong same as not one of these scientific pieces of evidence can hold up to any real scrutiny, which is why all these scientific experts refuse to debate anybody of significance

Artful Dodger: exactly, and that size is more cash

Artful Dodger: of coarse it is a generalization, there are exceptions, I have heard of a public school that is in a poor community in Texas that had one of the worst records in the country that has changed their focus and is now one of the top in the nation including private, their students go to school up to 10 hours a day

anastasia: a voucher is a tax credit given to a family of a child that would attend a private school to help pay for it

Artful Dodger: You misunderstand my aim, it's not at the teachers, they go into teaching for the passion, and are mostly, with the exceptions of the ones that have ulterior motives,are very good. It's the at the administration level where the problem is

Artful Dodger: vouchers will only hurt the public schools if they fail to respond by putting their emphasis on producing a superior product, right now with little competition there is no need to have that be their focus and the result is failing school systems

(V): No as the NEA is an union entrenched entity

(V): You can blame the liberals in that they block any attempt for competition, in the form of vouchers and accountability in the form of actual learning and how money is spent

(V): The NEA has been running the schools and is hardly conservative, there first agenda is money and power

Artful Dodger: personally I wouldn't go that route, that could lead to infighting, I would just pick people who are fair at moderating the rules, not the opinions

Artful Dodger: I know that, there were 2 pawns involved in the discussion, I was more joking, altho I tried to give it away once and as Al said "they keep pulling me back in"

Hmm, maybe now I should delete the debate club, my favorite list is getting too long