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Crewleader
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Crewleader's Journal
December 1, 2014
today's comics are:
Have A Great Monday!
December 1 Birthdays
http://www.famousbirthdays.com/december1.html
today's comics are:
Have A Great Monday!
December 1, 2014
December 1, 2014
Dearly Beloved
Photograph by Bartek Olszewski, National Geographic Your Shot
“I was so lucky,” says Your Shot member Bartek Olszewski, who found this scene on entering London’s Richmond Park on a July day. He began taking as many pictures as he could of the rutting stags. “It only lasted a few seconds,” he says. “I love to watch and track red deer, finding them and enjoying their natural behavior. I have my camera in my hands at all times when I’m going out to take pictures. Always be ready—wildlife is unpredictable, so it can surprise you at any time.”
Photo of the Day
December 1, 2014
Dearly Beloved
Photograph by Bartek Olszewski, National Geographic Your Shot
“I was so lucky,” says Your Shot member Bartek Olszewski, who found this scene on entering London’s Richmond Park on a July day. He began taking as many pictures as he could of the rutting stags. “It only lasted a few seconds,” he says. “I love to watch and track red deer, finding them and enjoying their natural behavior. I have my camera in my hands at all times when I’m going out to take pictures. Always be ready—wildlife is unpredictable, so it can surprise you at any time.”
December 1, 2014
Higher home values for the sake of higher prices is not necessarily a good thing if future generations of Americans are being priced out of the market. There seems to be this movement that simply ignores the glaring plight of many Americans regarding stagnant incomes and the reality that we have gained 7 million renting households while facing a similar number in completed foreclosures since the Great Recession hit. The system in terms of organic supply and demand was artificially stunted as foreclosures lagged and banks auctioned off swaths of properties to large investors. With this trend backing off we are now left with higher prices but most regular families being priced out. In California you have over 2.3 million adults living with other adults because of financial challenges. Housing is an illiquid asset. At any point, you can buy a share of Google or Apple stock and sell it back practically in the same day. Not so for housing. At any given point only a short supply of total housing is on the market. Currently housing is priced for investors and not your typical family. Forget about younger Americans that are saddled with large levels of student debt and have lower incomes. When it comes to housing, the kids aren’t alright.
Highest percentage of young adults living at home
We currently have an incredibly high number of young adults living at home. This isn’t some new found appreciation for mom and dad. During the early 2000s the young did have a desire to buy. They bought with toxic mortgages and leveraged every cent they had into real estate. And when the crash hit, much of that reversed. Today, many would like to buy but simply cannot because of household wages. The FHFA is likely going to loosen lending standards but incomes will still be verified.
This trend of adults living with adults is big:
http://www.doctorhousingbubble.com/young-americans-renting-first-time-buying-adults-living-with-parents/#more-7834
Dr. Housing Bubble 11/30/14
The kids aren’t alright: A record percentage of young adults live with older Americans. The trend continues to renting.Higher home values for the sake of higher prices is not necessarily a good thing if future generations of Americans are being priced out of the market. There seems to be this movement that simply ignores the glaring plight of many Americans regarding stagnant incomes and the reality that we have gained 7 million renting households while facing a similar number in completed foreclosures since the Great Recession hit. The system in terms of organic supply and demand was artificially stunted as foreclosures lagged and banks auctioned off swaths of properties to large investors. With this trend backing off we are now left with higher prices but most regular families being priced out. In California you have over 2.3 million adults living with other adults because of financial challenges. Housing is an illiquid asset. At any point, you can buy a share of Google or Apple stock and sell it back practically in the same day. Not so for housing. At any given point only a short supply of total housing is on the market. Currently housing is priced for investors and not your typical family. Forget about younger Americans that are saddled with large levels of student debt and have lower incomes. When it comes to housing, the kids aren’t alright.
Highest percentage of young adults living at home
We currently have an incredibly high number of young adults living at home. This isn’t some new found appreciation for mom and dad. During the early 2000s the young did have a desire to buy. They bought with toxic mortgages and leveraged every cent they had into real estate. And when the crash hit, much of that reversed. Today, many would like to buy but simply cannot because of household wages. The FHFA is likely going to loosen lending standards but incomes will still be verified.
This trend of adults living with adults is big:
http://www.doctorhousingbubble.com/young-americans-renting-first-time-buying-adults-living-with-parents/#more-7834
November 30, 2014
Sunday Comics
Have a Great Sunday!
November 30 Birthdays
http://www.famousbirthdays.com/november30.html
Sunday Comics
Have a Great Sunday!
November 30, 2014
November 30, 2014
Bird Bank
Photograph by Vincent J. Musi, National Geographic
Thousands of brown pelicans find a safe place to nest on South Carolina’s Deveaux Bank, one of the largest pelican rookeries on the Atlantic coast. The isolated, shape-shifting island is free of raccoons and other predators that eat eggs and chicks.
Photo of the Day
November 30, 2014
Bird Bank
Photograph by Vincent J. Musi, National Geographic
Thousands of brown pelicans find a safe place to nest on South Carolina’s Deveaux Bank, one of the largest pelican rookeries on the Atlantic coast. The isolated, shape-shifting island is free of raccoons and other predators that eat eggs and chicks.
November 29, 2014
America is embroiled in an immigration debate that goes far beyond President Obama’s executive order on undocumented immigrants.
It goes to the heart of who “we” are. And it’s roiling communities across the nation.
In early November, school officials in Orinda, California, hired a private detective to determine whether a seven-year-old Latina named Vivian – whose single mother works as a live-in nanny for a family in Orinda — “resides” in the district and should therefore be allowed to attend the elementary school she’s already been attending there.
On the basis of that investigation they determined that Vivian’s legal residence is her grandmother’s home in Bay Point, California. They’ve given the seven-year-old until December 5th to leave the Orinda elementary school.
http://robertreich.org/post/103850541800
Patrolling the Boundaries Inside America~ by Robert Reich
Friday, November 28, 2014America is embroiled in an immigration debate that goes far beyond President Obama’s executive order on undocumented immigrants.
It goes to the heart of who “we” are. And it’s roiling communities across the nation.
In early November, school officials in Orinda, California, hired a private detective to determine whether a seven-year-old Latina named Vivian – whose single mother works as a live-in nanny for a family in Orinda — “resides” in the district and should therefore be allowed to attend the elementary school she’s already been attending there.
On the basis of that investigation they determined that Vivian’s legal residence is her grandmother’s home in Bay Point, California. They’ve given the seven-year-old until December 5th to leave the Orinda elementary school.
http://robertreich.org/post/103850541800
November 29, 2014
Some of your favorites...
November 29 Birthdays
http://www.famousbirthdays.com/november29.html
Some of your favorites...
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