alocispepraluger102

vi redd saxophonists/ vocalist 60's info?

harry caray not a bad name, hell of an announcer with the cardinals.

i would love to have heard paul bley and tony duo. would have been incredible.

his work is all gorgeous. this koto stuff is somewhere beyond beauty(music for zen meditation).

i loved mta pros. they were really sturdy. they were so damn durable. wish i could find a good pair now.

the junior high kids endlessly yelled 'k-mart' at my lovely little grand-daughter's shoes a few years ago, till i bought her nikes.

LeBron James vs. Stephon Marbury: The $150 Shoe vs. the $15 Shoe Posted Mar 29th 2007 2:32PM by Nate Jones Filed under: Knicks, Cavaliers, Eastern, NBA Gossip, NBA Last Night, Cleveland, New York During last nights Knicks and Cavs match up, there was another battle going on. As well documented around the net, Stephon Marbury is endorsing a line of $15 Steve and Barry's kicks called Starburys. The premise behind the shoe is to give kids that can't afford outrageously priced shoes a chance to purchase a pair of NBA endorsed kicks that won't break their parent's bank account. So what does LeBron James, endorser of Nike's outrageously priced basketball sneakers, have to say about Marbury's new kicks? Here's what he told Newsday's Ken Berger: Before the game, James took a little shot at Marbury's $14.98 kicks, saying he couldn't imagine endorsing a sneaker that cheap. "No, I don't think so," James said. "Me being with Nike, we hold our standards high." Obviously LeBron James rise to fame and riches has allowed him to forget about where he comes from. Isn't this the same LeBron James that grew up in poverty in Akron, OH? What Marbury is doing is starting a cultural revolution. He's trying to change the game so that kids don't feel left out if they don't have a pair of $150 shoes. If LeBron wanted to be the man to be a real global icon, he would look to be something more than a puppet for Nike and become a leader like Marbury and step out and do something different that would actually aid the people that come from backgrounds similar to his own. As well, there are plenty of people that are making millions of dollars selling cheaper shoes. Shaquille O'neal has been doing it for years, but at more than twice the price ($39.99) of the Starburys. So what's Stephon's response to LeBron's obvious arrogance? Marbury, who is friendly with James, was lacing up his Starburys before the game when informed of LeBron's comment. He thought about it for a moment and said, "I'd rather own than be owned." For those of you that don't know, unlike James, Marbury is actually tied to the equity of his brand. Marbury gets a piece of the profits from every Starbury shoe that is sold. So not only does he have a chance to revolutionize the shoe industry in a way that benefits the low income consumer, but he also has a chance to become a big time shoe mogul. Instead of being a lemming, James might want to start taking notes.

are they on the web?------my kind of music! Yep, here's the link. a belated thanks!

just hear 'misery' with carmen mcrae and with tony on piano incredible music. wkcr is now playing some of his quartet music.

Greenspan's point is that the problem with the subprime market is the decline in housing prices. If people who have ARMs that are about to adjust had more equity in their houses (IE, higher prices), they'd be in a position to refinance into a 30 year fixed at an affordable rate. The problem is people who have gotten themselves into negative amortization situations and are now "upside down" on their house wherein they owe more than the house is worth. No finance company will touch that situation, and those are the people who are going to lose their houses. Those are the people (mostly) who are defaulting and generating the "crisis" in the subprime market. it doesn't exactly take a brainiac to say that higher home values would solve the problem. Higher home values always solve the problem of bad loans - it allows people to refinance and consolidate their debts and not lose their homes. ..and the people who sold and financed those homes knew that day would come when values would even out, long term averages not withstanding, and didnt give a damn about the poor buyers.

and no condo neighbors to complain?

greenspan should have enough respect for his successor to keep his big trap shut. his words no longer mean anything, but he craves the limelight and commands huge speaking fees. his time would be better spent leading a ghost band for henry jerome or tending to his lovely bride andrea mitchell. paul volcker, greenspan's predecessor, didnt cause greenspan problems when volcker left office.

just pay another 115 next month. that way you will save a month's interest, just double the principal payment every month. save a bunch. should be easy the first few years

i went through similar about 20 years ago and things settled down, after i switched to a local mortgage company. i am confident they will for you, too.

all that, and you still backbone this magnificent forum. several hundred of us owe you bigtime. can you get automatic withdrawals set up?

a very recent cubby pictcher who moved on to the bosox had 6 fingers on each hand, but, far as i know, he was spared a nickname.

many people are 'forced' into paying more than they can afford because of wanting their children in better schools.

that means payments have had to be sent to 3 or 4 different, so far, places?

After we put 20% down on our house, our total mortgage was about equal to what our annual income was at the time (about 5 years ago). Which turned out to be a DAMN good thing -- cuz about two years after we bought our house, I lost my job -- didn't work hardly at all for about 18 months (just some contract work, here and there) -- and I finally moved into doing something completely different in the not-for-profit sector, making only about 40% of what I used to make as an IT business analyst (so a 60% cut in pay). The key is that we have ALWAYS bought way, WAY less than we could afford. Until last year (when we bought a new Prius), my wife and I were both driving 12 and 13 year old cars -- one of which I still drive today (and probably will for another 5 years). We're certainly not rich, but we're also not a 'house-of-cards' just waiting to fall either. If my wife lost her job, and had to take something else for only around 50% of what she makes now -- I think we could still make it (though it would be very tight). And remember, that's after I've already taken over a 50% reduction in pay a couple years ago. .....betting you sleep well, too.

Depending on where you live, you are forced to spend much more. The two room appartment (not a house!) I bought is worth 8 times my annual income, and I did not take excessive financial risks. A parking space in the common garage would already have cost almost one annual income at that time. The housing and personal debt situation is actually much worse in Spain, where young people are forced to take 50 year loans, in order to cope with the monthly paybacks. i have read that in japan home loans are passed from generation to generation.

real estate agents a couple years ago were telling me all the ways houses were being sold. interest only loans, balloon payments, adjustable rates, second mortgages at purchase, and i cant remember what else, and it was a big surprise, and disappointment. my personal rule has been 'dont buy a house worth more than 2.5 times your annual income.' most people have made out much better than i using a different set of rules and i wish them well.

Mortgage crisis hits million-dollar homes Thu Mar 29, 2007 2:52 PM ET By Walden Siew NEW YORK (Reuters) - Sheriff Leo McGuire presides over foreclosure auctions in Bergen County, New Jersey, where the bidding for a home reached $1.2 million last June -- a record for one of the wealthiest counties in the nation. Homes sold on the auction block for as much as $852,000 this month -- more than quadruple the median home price in the United States. County officials believe they are close to setting another record soon. In Troy, Michigan, Dorothy Guzek, a credit counselor since 1988, has also seen the changing face of foreclosure. Her clients, while predominantly poor and minorities, increasingly are neither. Nowadays, homeowners holding professional careers with six-figure salaries regularly drop by her office. More and more they come from upscale Michigan communities such as Independence and Clarkston -- once the summer retreat for Henry Ford, founder of Ford Motor Co. "Because of the financing that was possible, so many people bought the bigger house, the million-dollar house with the bowling alley or the tennis court outside," says Guzek, who works for GreenPath Debt Solutions, a nonprofit service based in Farmington Hills, Michigan. "People across all income brackets are having financial hardship." For those on the frontlines of the growing U.S. mortgage crisis, these are the early signs that the explosion of subprime loans made to mostly poorer borrowers is reaching higher ground. The damage is hitting homes financed through jumbo loans for more than $400,000 and so-called Alt-A loans that are a notch above subprime and a step below prime. Americans already are facing foreclosure at a record pace, according to the Mortgage Bankers Association. Lenders started foreclosure actions against more than one in every 200 U.S. mortgage borrowers in the last quarter of 2006. About 2.2 million foreclosures due to bad mortgage loans may cost U.S. homeowners $164 billion, mostly from lost home equity, according to the Center for Responsible Lending, a Durham, North Carolina-based research group. In the last three months, the percentage of foreclosures for U.S. homes valued at more than $750,000 has climbed to 2.5 percent, the highest since early 2005, when RealtyTrac, a online marketplace for foreclosed properties, began tracking data. The overall rate of foreclosures also is on pace to increase by a third this year. "Everyone's looking at subprime. The rock they aren't looking under are the adjustable rate mortgages and teaser rates and low money-down loans," said Mark Kiesel, a portfolio manager for Pacific Investment Management Co., the world's biggest bond manager. "It's going to affect prime as well." Kiesel said he sold his Newport Beach, California, home for more than $1 million in May last year after the property appreciated more than 20 percent in two years. He believes delinquencies and defaults will rise, weighing down most of the housing market. California, with 3,384 foreclosures of higher-scale homes since December, is leading the nation, followed by Florida and New York, according to RealtyTrac. The MBA doesn't track foreclosure data by home value. ICEBERG Josh Rosner, managing director at investment research firm Graham Fisher & Co., says the growing numbers of foreclosures outside the subprime market is just the start. "To define the problem as a subprime problem is short-sighted," Rosner said. "It's really seeing the tip of the iceberg as the iceberg." Compounding the risk is the nature of homebuyers of higher-end homes, says Rosner. About 40 percent of homes bought last year were second homes or investment properties. Speculative buyers may be more at risk, he said. Standard & Poor's said on a conference call on Thursday that foreclosure rates are likely to surpass levels last seen during the 2001 recession. "That giant ATM you've been living in has just shut down," said David Wyss, chief economist at S&P in New York. "Consumers are in debt and we've been living beyond our means for some time." CDOs The latest foreclosure data also may spell trouble for Wall Street, where pools of bonds may be susceptible to nonperforming loans that underpin debt vehicles known as collateralized debt obligations. CDOs group debt based on credit quality and are similar to mutual funds in packaging securities to help diversify risk. In CDOs, the strongest debt is at the top of the capital structure, helping to smooth out any drag on performance from weaker debt, such as subprime loans. Just as more expensive homes are beginning to fall through the cracks, the fear is higher-rated bonds within CDO structures may be vulnerable. The declining performance of subprime loans have resulted in CDOs losing about $20 billion in market value, according to investment bank Lehman Brothers. UBS Securities said in a report last month that rising delinquencies may cause losses within some subprime mortgage bonds rated as high as the "A" category. FRAUD-FUELED At the Justice Center in Hackensack, New Jersey, on Friday, the wood-paneled room is filled with about 40 people and the auction is routine. The first property on the sales sheet lists a Korean homeowner with $509,000 of outstanding debt. There are no bidders. Deutsche Bank, holder of the busted loan, buys the property with a quick $100 bid. Sheriff McGuire calls the process "one of the most distasteful parts of my position." He places most of the blame on bankers who allowed questionable lending practices. "This might not have happened if not for these new type of loans," McGuire said, minutes before the auction. The loans also have helped millions of Americans purchase new homes, he concedes. "The banks took a chance on the future, and the homeowners took a chance so there's enough blame to go around," McGuire said. Still, "the banks and lenders have largely set them up for this downfall." Adding to the grief, mortgage scams and con artists trying to take advantage of distressed homeowners abound, boosting foreclosure rates, county workers said. "It's not the American Dream anymore," said Fran Napolitano, a county clerk in Hackensack. "It's 'who can I stab next.'" In Detroit's suburbs, hit hard by the U.S. auto industry downturn and financial troubles at General Motors Corp. and Ford Motor Co., the story strikes home each day for GreenPath's Guzek. "It's sad. It's just an awful feeling," she said. "You hope that you can come up with a financial plan to help people remain in their homes, but sometimes it's not the best thing for them." These days, her calendar of eight counseling sessions a day, 40 a week, remains full. Increasingly, she offers different advice than devising financial plans to save her clients' homes. "If they can't afford it, sometimes the best thing for them is to walk away," Guzek said. © Reuters 2007. All rights reserved. Republication or redistribution of Reuters content, including by caching, framing or similar means, is expressly prohibited without the prior written consent of Reuters. Reuters and the Reuters sphere logo are registered trademarks and trademarks of the Reuters group of companies around th

i sincerely hope the considerable funds the wonderfully endowed university contributed will not lead to more university(corporate) involvement. it's fine the way it is, even the frequent roughness around the edges.

just found a couple remaining sixers of sam adams double bock. not great but very passable.

By: Akhila Kolisetty Posted: 3/28/07 By Akhila Kolisetty The Daily Northwestern After 57 years in Annie May Swift Hall, Northwestern's student-run radio station, WNUR, will begin airing from its new studios in John J. Louis Hall today at 2 p.m. WNUR's relocation is the result of construction at Annie May Swift, which was built in 1895. Although WNUR paid a small portion of the costs, most of the funding for the construction of the new studios and its high-tech equipment came from the university, said Medill senior Anthony Walters, general manager of WNUR. "Louis Hall was the obvious choice because it also houses facilities for the School of Communication and the (Radio, Television, and Film) department," Walters said. "We are very happy we made this decision." Communication junior Jennie Keohane, public affairs director for WNUR, said the new location would make for "an awesome opportunity for better broadcasting." The new facilities offer many improvements over the radio station's old studios, Walters said. "The production studios, where the (live) bands play, used to be about 15 by 12 feet in Annie May Swift," Walters said. "But the new studios are about eight or nine times the size of the old ones. ... This is all state-of-the-art equipment and it's very, very cool," The radio station also will be improving much of its equipment, said Peter Debelak, WNUR's rock music director. "We're getting new computers and more microphones," said Debelak, a Music senior. "There's also a new digital board to improve digital transmitting." There are a few minor drawbacks to the new facilities, Walters said. In Annie May Swift Hall, WNUR had its own conference room, but in the new studios, the conference room is shared with other groups, Walters said. "The one thing I don't like is that the new studios are not a separate part of Louis Hall, but (are) too integrated with the rest of the building," Debelak said. "But overall it is a much nicer building." Reach Akhila Kolisetty at a-kolisetty@northwestern.edu. © Copyright 2007 The Daily Northwestern