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From: Hachiroku ハチロク on 15 May 2010 22:07 On Sat, 15 May 2010 12:47:24 -0700, His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic Enterprises wrote: > I attended today one of those NACA seminars A little late, aren't you?
From: His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic Enterprises on 15 May 2010 23:29 On May 15, 8:52 pm, FatterDumber& Happier Moe <"WheresMyCheck"@UncleSamLoves.Mee> wrote: > His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic > > > > Enterprises wrote: > > On May 15, 7:18 pm, FatterDumber& Happier Moe > > <"WheresMyCheck"@UncleSamLoves.Mee> wrote: > >> His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic > > >> Enterprises wrote: > >>> I attended today one of those NACA seminars, where the people are > >>> trying to stay afloat among the loan sharks... Hey, that's a perfect > >>> metaphor for the jungle, and why we are where we are. GREED brought us > >>> here, right? Anyways I stood up and handed out some of my fliers > >>> (WELCOME TO THE JUNGLE) and people recognized such a problem we got > >>> today. > >>> Don't you think we should stay away from lending all together and be > >>> happy with what we got, ie. saving money to buy a car or RIDE A BIKE > >>> around and save that much money for a house? How about having a > >>> smaller house? We must think SMALL IS BETTER before that happens. > >>> Maybe I'll be teaching one of those seminars pretty soon: HOW TO BE > >>> HAPPY WITH PEANUTS LIKE A MONKEY! > >>> NOTE: Notice there are other types of sharks out there like the > >>> Insurance Companies, Big Oil & the Medical Industry. > >>> -------------------------------------------------------------------------- > >>> THE WISE TIBETAN MONKEY SAYS > >>> "The monkeys practice that practical philosophy of 'You scratch my > >>> back, I scratch yours!'" > >>>http://webspawner.com/users/BANANAREVOLUTION > >> Dream on, human nature being what it is, and marketing being what it > >> is, the I want it and I want it now bunch will keep these places in > >> business forever in one form or another. > > > True, but the harder it is the better. Maybe instead of a $50K SUV, > > they buy a little car or better a scooter or bicycle. > > Maybe, but not before pigs can fly. They wore t-shirts that said, 'BEWARE OF LOAN SHARKS!' Such a campaign can help control their game of predation. ;)
From: His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic Enterprises on 15 May 2010 23:33 On May 15, 9:07 pm, "Jeff Strickland" <crwlrj...(a)yahoo.com> wrote: > "FatterDumber& Happier Moe" <"WheresMyCheck"@UncleSamLoves.Mee> wrote in > messagenews:4bef2bb9$0$12445$bbae4d71(a)news.suddenlink.net... > > > > > His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic > > Enterprises wrote: > >> I attended today one of those NACA seminars, where the people are > >> trying to stay afloat among the loan sharks... Hey, that's a perfect > >> metaphor for the jungle, and why we are where we are. GREED brought us > >> here, right? Anyways I stood up and handed out some of my fliers > >> (WELCOME TO THE JUNGLE) and people recognized such a problem we got > >> today. > > >> Don't you think we should stay away from lending all together and be > >> happy with what we got, ie. saving money to buy a car or RIDE A BIKE > >> around and save that much money for a house? How about having a > >> smaller house? We must think SMALL IS BETTER before that happens. > > >> Maybe I'll be teaching one of those seminars pretty soon: HOW TO BE > >> HAPPY WITH PEANUTS LIKE A MONKEY! > > >> NOTE: Notice there are other types of sharks out there like the > >> Insurance Companies, Big Oil & the Medical Industry. > > >> -------------------------------------------------------------------------- > > >> THE WISE TIBETAN MONKEY SAYS > > >> "The monkeys practice that practical philosophy of 'You scratch my > >> back, I scratch yours!'" > > >>http://webspawner.com/users/BANANAREVOLUTION > > > Dream on, human nature being what it is, and marketing being what it is, > > the I want it and I want it now bunch will keep these places in business > > forever in one form or another. > > The whole notion of predatory lending completely ignores the part about > stupid borrowing. Predatory Borrowing, perhaps. > > Borrowers borrow because they can. If the first lender says, no, they dial > the phone again and ask another and another until they find one that will > lend to them. It isn't always the lender's fault, sometimes the borrower is > to blame. Lenders will structure the loan to fit the borrower's ability to > pay on the day the borrower asks for the loan. Being optomists, nobody > considers that the borrower's situation -- the Scenario, in lending lingo -- > might change. If a borrower makes X-dollars per month, then the payment > options _might_ be dictated by the other debt and the ration of debt to > income. Everybody likes to assume that tomorrow, or next year, the scenario > on the borrower's side will be improved. > > But, only the borrower knows that he's on shakey ground, or is as steady as > a granite boulder. The lender -- the loan officer that the borrower talks > to -- has lots of loan programs to offer, but the borrower is driving the > bus on which ones are available to him. > > Is there predatory lending going on? Sure. But there's more predatory > borrowing. And the borrowers can always, that's A-L-W-A-Y-S, walk away from > a loan process. The lenders decline, the borrowers refuse. > > I'm inclined to place far more blame for the mess we're in on predatory > borrowing. A few predatory borrowers had their SUVs parked outside. But people should be taught to fight the predatory lenders. Well, I blame the puppet master, not the puppet.
From: His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic Enterprises on 15 May 2010 23:36 On May 15, 9:07 pm, "Jeff Strickland" <crwlrj...(a)yahoo.com> wrote: > "FatterDumber& Happier Moe" <"WheresMyCheck"@UncleSamLoves.Mee> wrote in > messagenews:4bef2bb9$0$12445$bbae4d71(a)news.suddenlink.net... > > > > > His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic > > Enterprises wrote: > >> I attended today one of those NACA seminars, where the people are > >> trying to stay afloat among the loan sharks... Hey, that's a perfect > >> metaphor for the jungle, and why we are where we are. GREED brought us > >> here, right? Anyways I stood up and handed out some of my fliers > >> (WELCOME TO THE JUNGLE) and people recognized such a problem we got > >> today. > > >> Don't you think we should stay away from lending all together and be > >> happy with what we got, ie. saving money to buy a car or RIDE A BIKE > >> around and save that much money for a house? How about having a > >> smaller house? We must think SMALL IS BETTER before that happens. > > >> Maybe I'll be teaching one of those seminars pretty soon: HOW TO BE > >> HAPPY WITH PEANUTS LIKE A MONKEY! > > >> NOTE: Notice there are other types of sharks out there like the > >> Insurance Companies, Big Oil & the Medical Industry. > > >> -------------------------------------------------------------------------- > > >> THE WISE TIBETAN MONKEY SAYS > > >> "The monkeys practice that practical philosophy of 'You scratch my > >> back, I scratch yours!'" > > >>http://webspawner.com/users/BANANAREVOLUTION > > > Dream on, human nature being what it is, and marketing being what it is, > > the I want it and I want it now bunch will keep these places in business > > forever in one form or another. > > The whole notion of predatory lending completely ignores the part about > stupid borrowing. Predatory Borrowing, perhaps. > > Borrowers borrow because they can. If the first lender says, no, they dial > the phone again and ask another and another until they find one that will > lend to them. It isn't always the lender's fault, sometimes the borrower is > to blame. Lenders will structure the loan to fit the borrower's ability to > pay on the day the borrower asks for the loan. Being optomists, nobody > considers that the borrower's situation -- the Scenario, in lending lingo -- > might change. If a borrower makes X-dollars per month, then the payment > options _might_ be dictated by the other debt and the ration of debt to > income. Everybody likes to assume that tomorrow, or next year, the scenario > on the borrower's side will be improved. > > But, only the borrower knows that he's on shakey ground, or is as steady as > a granite boulder. The lender -- the loan officer that the borrower talks > to -- has lots of loan programs to offer, but the borrower is driving the > bus on which ones are available to him. > > Is there predatory lending going on? Sure. But there's more predatory > borrowing. And the borrowers can always, that's A-L-W-A-Y-S, walk away from > a loan process. The lenders decline, the borrowers refuse. > > I'm inclined to place far more blame for the mess we're in on predatory > borrowing. How can you resist the pressure --social pressure, survival pressure-- NOT to own an SUV in America? In the jungle you must be the biggest animal out there.
From: His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic Enterprises on 15 May 2010 23:38
On May 15, 9:07 pm, "Jeff Strickland" <crwlrj...(a)yahoo.com> wrote: > "FatterDumber& Happier Moe" <"WheresMyCheck"@UncleSamLoves.Mee> wrote in > messagenews:4bef2bb9$0$12445$bbae4d71(a)news.suddenlink.net... > > > > > His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic > > Enterprises wrote: > >> I attended today one of those NACA seminars, where the people are > >> trying to stay afloat among the loan sharks... Hey, that's a perfect > >> metaphor for the jungle, and why we are where we are. GREED brought us > >> here, right? Anyways I stood up and handed out some of my fliers > >> (WELCOME TO THE JUNGLE) and people recognized such a problem we got > >> today. > > >> Don't you think we should stay away from lending all together and be > >> happy with what we got, ie. saving money to buy a car or RIDE A BIKE > >> around and save that much money for a house? How about having a > >> smaller house? We must think SMALL IS BETTER before that happens. > > >> Maybe I'll be teaching one of those seminars pretty soon: HOW TO BE > >> HAPPY WITH PEANUTS LIKE A MONKEY! > > >> NOTE: Notice there are other types of sharks out there like the > >> Insurance Companies, Big Oil & the Medical Industry. > > >> -------------------------------------------------------------------------- > > >> THE WISE TIBETAN MONKEY SAYS > > >> "The monkeys practice that practical philosophy of 'You scratch my > >> back, I scratch yours!'" > > >>http://webspawner.com/users/BANANAREVOLUTION > > > Dream on, human nature being what it is, and marketing being what it is, > > the I want it and I want it now bunch will keep these places in business > > forever in one form or another. > > The whole notion of predatory lending completely ignores the part about > stupid borrowing. Predatory Borrowing, perhaps. > > Borrowers borrow because they can. If the first lender says, no, they dial > the phone again and ask another and another until they find one that will > lend to them. It isn't always the lender's fault, sometimes the borrower is > to blame. Lenders will structure the loan to fit the borrower's ability to > pay on the day the borrower asks for the loan. Being optomists, nobody > considers that the borrower's situation -- the Scenario, in lending lingo -- > might change. If a borrower makes X-dollars per month, then the payment > options _might_ be dictated by the other debt and the ration of debt to > income. Everybody likes to assume that tomorrow, or next year, the scenario > on the borrower's side will be improved. > > But, only the borrower knows that he's on shakey ground, or is as steady as > a granite boulder. The lender -- the loan officer that the borrower talks > to -- has lots of loan programs to offer, but the borrower is driving the > bus on which ones are available to him. > > Is there predatory lending going on? Sure. But there's more predatory > borrowing. And the borrowers can always, that's A-L-W-A-Y-S, walk away from > a loan process. The lenders decline, the borrowers refuse. > > I'm inclined to place far more blame for the mess we're in on predatory > borrowing. I went to accompany someone. But it was worth the experience. They said, Chase was the biggest shark, so beware. And make sure to call them and make noise like a monkey. |