Rusty

See ya next time.

Easy cheesy... Unless you're a mod, my post mentioned nothing toward you. I see you're still a little testy since I was here last. Glad to see things havent changed. I doubt very seriously that it was lost in the move. More like edited for friendly/friend reasons.

Nice edit. Should have just deleted the topic if you were going to edit out 90% of the content.

Present, but not as often as I need to be.

If you haven't sold them, I will buy them all.

Hey Pat, Thanks for the link...Just what I am looking for.

Don, you were so right in what you were investigating in 1999. http://query.nytimes.com/gst/fullpage.html...wers&st=cse Fannie Mae Eases Credit To Aid Mortgage Lending By STEVEN A. HOLMES Published: September 30, 1999 In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it will purchase from banks and other lenders. The action, which will begin as a pilot program involving 24 banks in 15 markets -- including the New York metropolitan region -- will encourage those banks to extend home mortgages to individuals whose credit is generally not good enough to qualify for conventional loans. Fannie Mae officials say they hope to make it a nationwide program by next spring. Fannie Mae, the nation's biggest underwriter of home mortgages, has been under increasing pressure from the Clinton Administration to expand mortgage loans among low and moderate income people and felt pressure from stock holders to maintain its phenomenal growth in profits. In addition, banks, thrift institutions and mortgage companies have been pressing Fannie Mae to help them make more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings are not good enough to qualify for conventional loans, can only get loans from finance companies that charge much higher interest rates -- anywhere from three to four percentage points higher than conventional loans. ''Fannie Mae has expanded home ownership for millions of families in the 1990's by reducing down payment requirements,'' said Franklin D. Raines, Fannie Mae's chairman and chief executive officer. ''Yet there remain too many borrowers whose credit is just a notch below what our underwriting has required who have been relegated to paying significantly higher mortgage rates in the so-called subprime market.'' Demographic information on these borrowers is sketchy. But at least one study indicates that 18 percent of the loans in the subprime market went to black borrowers, compared to 5 per cent of loans in the conventional loan market. In moving, even tentatively, into this new area of lending, Fannie Mae is taking on significantly more risk, which may not pose any difficulties during flush economic times. But the government-subsidized corporation may run into trouble in an economic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980's. ''From the perspective of many people, including me, this is another thrift industry growing up around us,'' said Peter Wallison a resident fellow at the American Enterprise Institute. ''If they fail, the government will have to step up and bail them out the way it stepped up and bailed out the thrift industry.'' Under Fannie Mae's pilot program, consumers who qualify can secure a mortgage with an interest rate one percentage point above that of a conventional, 30-year fixed rate mortgage of less than $240,000 -- a rate that currently averages about 7.76 per cent. If the borrower makes his or her monthly payments on time for two years, the one percentage point premium is dropped. Fannie Mae, the nation's biggest underwriter of home mortgages, does not lend money directly to consumers. Instead, it purchases loans that banks make on what is called the secondary market. By expanding the type of loans that it will buy, Fannie Mae is hoping to spur banks to make more loans to people with less-than-stellar credit ratings. Fannie Mae officials stress that the new mortgages will be extended to all potential borrowers who can qualify for a mortgage. But they add that the move is intended in part to increase the number of minority and low income home owners who tend to have worse credit ratings than non-Hispanic whites. Home ownership has, in fact, exploded among minorities during the economic boom of the 1990's. The number of mortgages extended to Hispanic applicants jumped by 87.2 per cent from 1993 to 1998, according to Harvard University's Joint Center for Housing Studies. During that same period the number of African Americans who got mortgages to buy a home increased by 71.9 per cent and the number of Asian Americans by 46.3 per cent. In contrast, the number of non-Hispanic whites who received loans for homes increased by 31.2 per cent. Despite these gains, home ownership rates for minorities continue to lag behind non-Hispanic whites, in part because blacks and Hispanics in particular tend to have on average worse credit ratings. In July, the Department of Housing and Urban Development proposed that by the year 2001, 50 percent of Fannie Mae's and Freddie Mac's portfolio be made up of loans to low and moderate-income borrowers. Last year, 44 percent of the loans Fannie Mae purchased were from these groups. The change in policy also comes at the same time that HUD is investigating allegations of racial discrimination in the automated underwriting systems used by Fannie Mae and Freddie Mac to determine the credit-worthiness of credit applicants.

I'm calling the A-S-P-C-A on you, Tim. Videoing dog fights are illegal.

Probably not what you were looking for when you posted this topic Dano, sorry.

The point I am trying to get across Thom is, living in this great nation allows each and everyone of the choice to decide where we live. If you live in an area where the chance of flooding is going to happen, you had better darn well have a boat handy. Don't gripe about how the government failed. They didn't tell you to live there. Some people have lost all acceptance of responsibility.

I am a little confused about this statement. The last time I checked the feds can not come into a state unless they are asked to by the Governor. So what was that FEMA and Jr. did that needs fixed? You would think too, that being four feet below sea level, common sense would also play a roll in some sort of responsibility. Blaming Bush and FEMA should be the last people on the list to be pointing fingers at, wouldn't you think? I did notice that the Governor has already requested the assistance of the National Guard. And New Orleans is using all the mass transit vehicles they can get their hands on to move people that want to leave. Good for them! Lessons learned from the 2005 mess. My prayers go out to all that this storm may affect.

Dang! The critics are harsh these days. I thought it was funny.

Are there any men here who's wife does not listen? http://www.youtube.com/watch?v=6qyaYMJNmlk

Shell Knob has had a Pizza Hut located just before the bridge that you can dock up to and climb the gauntlet. It has been a few years since I was there but it has always been good. Not sure about them having beer though, but I think they do. It is a nice long ride from Big Cedar.

I wouldn't worry about it. I tell my brother he squeals like a little girl when he hooks a big fish, and he still talks to me.

Thanks for the help people.

Yeah, I saw Tim throwing HGH at them the other day. Talk about getting pumped up.

Is the Buffalo or any part of it family friendly? I have never floated it and if memory serves me correctly, I have seen it once. Meaning, can I take the wife and kids and everyone have a good time. No camping, to many girls. A cabin would be great though. Hot water and electric. Canoing or inflatable raft? Prefer inflatable raft that would accommodate two adults and four children. Something that would allow us to float different parts of the river for two or three days but have a semi nice place to stay in between. And of course, fishing is a concern as well. : )

This was taken from our condo balcony. I was able to walk 200 yards and blind cast to bones. My lovely better half enjoying the view during our deep water charter that was very exciting within the first 20 minutes. We had a 400 lb + marlin, according to the Captain, hit. I was up with Captain Tony and got to see the take. Amazing! He made a quick turn to the port side and made one jump and then went south. He spun off 700 yards before you could blink and then he was gone. Broke off. That was all the excitement we had the rest of the day. We did get to see 150 lb tuna busting a bait ball. It amazed me to see them jump as high as they did. By the time we got to them they were gone. Roadside lunch one day. Shrimp! Yum, yum it was good. One of the many flats I walked to fly fish for bones. I was able to cast to many bones and had only one look at the fly. According to the guide, the numbers were high but the hookups (or lack of) were common. He did say that I should have had a couple hit, but no such luck. He felt so bad about the lack of hookups, he gave a free day of guiding, but still nothing. For those that say there are no flats on Oahu. I laugh at that. I bet I walked on over 500 acres of flats and was able to cast to bones that were from 4-15 lbs. and that were as close as 10 ft and as far as 100 ft away. I apologize for not posting sooner.

Thanks Dano...Someone with the correct answer and no BS to go along with it. Trav, Do me a favor and don't reply to any of my topics unless I say "Hey Trav". I don't care how knowledgeable you may think you are. Your parasitic attitude rubs me the wrong way. But from reading what I have, this will only intice you to respond regardless. To all that have tried to add me to their "Friends List"...Please do again, I wasn't aware that I needed to Ok the process. Thanks Rusty

We can always count on you to have a positive outlook/comment on things Trav. Is it lonely at the top? Are you an Admin? Because I could have sworn that I posted it here instead of the General Topic.

When someone adds you to their "Friends List", and you get an email notifying you that they have added you, do I need to approve them?

I hear he needs help building several holding pens.

Funny you should mention guides. Why is it expected? They say it isn't, but I have overheard guides talk about clients that don't tip, and not in a friendly manner either. Why don't they charge what they want to make?

I am trying to understand something, and I need some input. If a person has a listed price for services rendered, should that person be entitled to a tip?