tag:blogger.com,1999:blog-33399132.post5820739903113174401..comments2024-03-04T08:09:21.453-08:00Comments on Richard's Real Estate and Urban Economics Blog: The William Cohan fallacyRichard Greenhttp://www.blogger.com/profile/02161226214739034402noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-33399132.post-35106400980600602962012-07-05T05:16:28.892-07:002012-07-05T05:16:28.892-07:00This is a great inspiring article. I am pretty muc...This is a great inspiring article. I am pretty much pleased with your good work.You put really very helpful information.<br /><a href="http://www.pixspeak-now.com/" rel="nofollow">Top Photo App</a>Knox Karterhttps://www.blogger.com/profile/09529605912425314220noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-75001935229876574342012-05-01T03:12:02.998-07:002012-05-01T03:12:02.998-07:00Thank you for sharing this! Just what I’ve been se...Thank you for sharing this! Just what I’ve been searching for. Great info!<br /><br /><a href="http://www.avenuesocial.com/blackberry.html" rel="nofollow">Blackberry Application</a>justin alberthttps://www.blogger.com/profile/05630509064102875406noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-47046164555777777502012-04-23T03:18:00.451-07:002012-04-23T03:18:00.451-07:00Great information you got here. I've been read...Great information you got here. I've been reading about this topic. I found it here in your blog. I had a great time reading this.<br /><br /><a href="http://www.logodesignuniverse.com" rel="nofollow">Buy A Ready-Made Logo</a>Knox Karterhttps://www.blogger.com/profile/09529605912425314220noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-53050899765036295292010-11-09T21:47:12.125-08:002010-11-09T21:47:12.125-08:00moncler.com
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Sie finden ein breites Angebot an Ferienwohnungen, Apartments und Häusern auf Mallorca, der beliebtesten Insel der Balearen um die Ferien mit der Familie zu geniessen.<br /><a href="http://www.friendlyrentals.com/de/wohnungen/mallorca/unterkunft-117.htm" rel="nofollow">appartments mallorca</a>Unknownhttps://www.blogger.com/profile/05477086456660740944noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-42421024706494525972010-10-03T17:04:34.796-07:002010-10-03T17:04:34.796-07:00I enjoy your blog and have from time to time poste...I enjoy your blog and have from time to time posted some of your stuff on my blog.<br /><br />But.........surely you don't really mean this:<br /><br />"To suggest such people are 'responsible' for their plight is akin to suggesting that I am 'responsible' for never being able to dunk a basketball."<br /><br />About six years ago, I signed a non-recourse mortgage with a "yield maintenance" clause in it. The calculation in the document was complicated. I sort of ignored it, assuming it was just a pre-payment penalty. The mortgage broker didn't think it was a big deal. Wow. It was a pre-payment penalty on steriods. It kept us from being able to profitably sell the property at the peak of the recent froth, so we still own it.<br /><br />I signed the mortgage. I could have asked our attorney to reveiw it, or I could have asked the mortgage broker for some written examples of "yield maintenance".<br /><br />Doing neither, I am responsible. Signing the mortgage, taking the money, I must accept the consequences. To suggest that "potential borrowers with generally good life skills" not accept responsibility for their actions seems like setting out on a sure path to having some wise government functionary make all our decisions for us.<br /><br />Just seems to me that acceptance of personal responsibility is requiste for a free society.<br /><br />Thanks.Steve Laymanhttps://www.blogger.com/profile/08595258281958953869noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-22058667813912313672010-10-02T16:07:57.852-07:002010-10-02T16:07:57.852-07:00Of course borrowers should have known better. Exot...Of course borrowers should have known better. Exotic loans should not have been offered in such large numbers. Many lenders took leave of their senses. But the blame for the mortgage mess does not rest solely with the banking industry, Fanny, Freddie or Congress. Borrowers are also to blame for what has happened. Taking out a mortgage is the biggest financial decision most of us will ever make. Refusing to spend the time to understand the basic terms is both lazy and foolish. To disagree I think is to argue that we should all live in a nanny state where we are protected from making taking responsibility for ourselves. - Richardrichardradhttps://www.blogger.com/profile/14538690869914612890noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-64563903208055567022010-10-02T10:54:11.860-07:002010-10-02T10:54:11.860-07:00Plenty of mortgage bankers originated "pay op...Plenty of mortgage bankers originated "pay option ARMs" too... WaMU's pick-a-payment was around for a quite a while before this product imploded. World Savings and other banks offered this product via their retail channels too. <br /><br />Bank and wholesale lenders would have their reps call on mortgage brokers and correspondent lenders to push this product. There was little to no care if the consumer understood how the option arm worked. <br /><br />I recently had a conversation with a very savvy borrower who's trying to refinance out of an option ARM (I did not originate it)...he told me that although he intended to make more than the minimum payment, there was always something else to spend that money on or a reason not to...plus he believed his home would continue to appreciate. <br /><br />I am glad to see that you included real estate agents in your post... not only would they push products like this to their buyers, it was not uncommon during the subprime era to have an agent ask "can't they do stated income?" if they wanted to sell their buyer a more expensive home than what they qualified for.<br /><br />I'm glad the subprime days are behind us and it will be interesting to see what the future holds for the mortgage industry.Rhondahttps://www.blogger.com/profile/11416064204013419247noreply@blogger.com