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SKIVT-L  September 2008, Week 5

SKIVT-L September 2008, Week 5

Subject:

Re: OT, More Droning, Sub Prime Lending Revelation

From:

Leigh Daboll <[log in to unmask]>

Reply-To:

Vermont Skiing Discussion and Snow Reports <[log in to unmask]>

Date:

Mon, 29 Sep 2008 19:56:01 -0400

Content-Type:

text/plain

Parts/Attachments:

Parts/Attachments

text/plain (90 lines)

That response? It's coming.

I stand by my comments, however un-politically put. Thank God I never want 
to be a politician some day.

I'm just waiting for the dust to settle.

I have thought at length about the reasons why we haven't had the financial 
meltdown up here that you folks have down there.  Why the difference?  I 
keep coming back to the same reasoning as I pontificated in my original post 
last week.  The major difference is we've always had a tougher time 
borrowing money up here. Typical home prices never were bid up sky high and 
financed with crazy balloon mortgages.

Our very un-liberal paucity of government-assisted lending mandates and 
programs to advance loans to those unqualified to repay them, has largely 
averted most of the mess.  While honourable in intent, the US mandates were 
always a recipe for long term disaster. I suspect that the finance guys 
always knew this, but created ever more elaborate shell games to patch over 
simple economic reality while staying onside of those lending mandates.

Affirmative action "lending mandates".  That's not a LACK of regulation my 
friends - that is the EPITOME of government interference in the market.

Need more proof? Anyone care to guess where the best performing area in the 
US is now in terms of year-to-year retained housing stock value?  It's 
western New York, occasionally described as little more than an economic 
wasteland, and other times as "a place where real New Yorkers send our state 
convicts" [an actual skivt quote]    Why?  Because at the height of the boom 
you could still buy a nice home in, say -Amherst - for around $100,000.00. 
I think you can still buy a nice house in Amherst for about - you guessed 
it - $100,000.00, give or take five.

BTW, the Canadian federal election is just as intriguing as the US election 
right about now.  We're actually an election-issue cycle ahead of the US 
because eveything is compressed to real-time (our election was only just 
called and isn't carrying baggage of the pre-disaster period). The Canadian 
campaign matches my comments to a "T".  The liberal party is currently 
imploding over its Green Shift carbon tax plan.  The provincial liberals 
(who looked soooooo smug passing a provincial carbon tax last year, 
resulting in their current $1.70/litre gas prices) are similarly imploding 
provincially.

Harper capped off his appeal to "ordinary Canadians" last week by announcing 
(in a Tim Horton's, of course) a big hit to future tax funding for [largely 
urban] cultural and arts snobs, err, interest groups.

Yes, the culture war's lines are being drawn here up in the north as well. 
The polls currently indicate it will be liberal wasteland across the entire 
country come the post-election dawn, except for three smug, oh-so-smart, big 
city centres - Montreal, Toronto, and Vancouver.

Tough times tend to do that to the electorate.  The only difference is 
between the 30's and now is that what was Red in the 30's is Blue now, and 
vice versa, when it comes down to that mythical Average Joe 'value system.' 
In both countries, I might add.

I know that infuriates the oh-so-much-smarter crowd to no end, but, frankly, 
tough s**t.

Leigh


----- Original Message ----- 
From: "Mike Bernstein" <[log in to unmask]>
To: <[log in to unmask]>
Sent: Monday, September 29, 2008 6:21 PM
Subject: Re: [SKIVT-L] OT, More Droning, Sub Prime Lending Revelation


At this point, I'm more interested in seeing how this leads to Leigh's 
predicted
(a vision?) Great Awakening Pt II.

Well, those of you who wanted to see how this would impact Main St. are
going to get a closer look than I thought.  I thought this Congress was
impotent and clueless, but I didn't realize the depths of their stupidity 
until
just today.

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