You can't just look at one area and act like you know global weather patterns.  Overall it is increasing when you accounts for EVERYTHING.   I'm shocked how many people think when people say global warming they think it means Alaska will be tropical.  A small worldwide warmup will be catastrophic for all life on the pl...more

Every single smoker should be tried and convicted of manslaughter any time they smoke around a non-smoking human being.  Smokers are the most inconsiderate group of people there are on the planet constantly infringing on my right to breathe clean air.    Seriously quit crying about your rights when you constantly make ...more

Seriously Cramer.  Monday it was Sell, Tuesday it was Buy, Wednesday Sell, Thursday Buy,  Friday Sell.  What do you really believe?

The health cost estimate on this seems really low to me.  I'm middle income and I pay an extra $2500 per year to add 1 child onto my health plan.  On top of this co-pays are $20 per visit and hospital visits are $500 co-pay per visit.  Are you also including the cost when they are born because that was $1000 co-pay for...more

How about you do an analysis for someone who doesn't use credit at all.  How much money do they save over your person with the 750 credit score?  Pay cash for all cars, but a cheap house in a rural area and pay cash... then save until you can afford to move into a nicer area.  Lets put the squeeze on the banks for once...more

I would love to leave the house.  Unfortunately I am still liable for the place until the bank takes it back.

Pdaddy I don't need anyone to lend me money as I have $50k in the bank.  If(big IF) I ever purchase another house it will likely be an all cash transaction.  "The state your in never should have moved to your blame-shifting, someone else's responsibility attitude that you seem to love to wallow in." I'm having a rea...more

Some of us just bought a house at the wrong time.  I had an 810 FICO score when I bought and I've never missed a payment on anything in my 12 years of credit history before I quit paying my mortgage.  My DTI is around 55% and I with the help of  the bank made a very poor decision.  I was afraid if I didn't buy when I d...more

Banks got around mortgage insurance with the 80/20 loans.  In bubble states these were the primary method of PRIME FRM financing in 05/06.  Don't ask me why this was legal...