It's not really cute yet but
Baby elephant!!!
Please...Wesley...why can't I stay?
Fred ,'A Hole in the World'
Natter 57 Varieties
Off-topic discussion. Wanna talk about corsets, duct tape, or physics? This is the place. Detailed discussion of any current-season TV must be whitefonted.
lisah - Mar 20, 2008 11:47:57 am PDT #6278 of 10001
Punishingly Intricate
§ ita § - Mar 20, 2008 11:48:12 am PDT #6279 of 10001
Well not canonically, no, but this is transformative fiction.
Because what they're shown is a payment they *can* afford and the math works out
But the math has to stop hugely short of reality, and I want to see that pitch, how they handwave over the fact that it's not sustainable.
How do the right questions go unasked?
sarameg - Mar 20, 2008 11:48:17 am PDT #6280 of 10001
You know what's hell? 6 months in, discovering that there was something that was supposed to be your responsibility but no one ever told you that it existed, much less how to do it and now you've got six months of a very tedious backlog to go through. In the next 2 weeks.
It's going to be close.
§ ita § - Mar 20, 2008 11:50:01 am PDT #6281 of 10001
Well not canonically, no, but this is transformative fiction.
Atropa - Mar 20, 2008 11:52:46 am PDT #6282 of 10001
The artist formerly associated with cupcakes.
How do the right questions go unasked?
Because at a guess, the person showing the unrealistic math doesn't give the people who should ask the questions enough time to think of them.
Toddson - Mar 20, 2008 11:52:59 am PDT #6283 of 10001
Friends don't let friends read "Atlas Shrugged"
I think he's cute now. And the National Zoo has a new baby kiwi ... but I haven't been able to get a link to the picture.
Tom Scola - Mar 20, 2008 11:53:19 am PDT #6284 of 10001
Remember that the frontier of the Rebellion is everywhere. And even the smallest act of insurrection pushes our lines forward.
But the math has to stop hugely short of reality, and I want to see that pitch, how they handwave over the fact that it's not sustainable.
Most of it has to do with adjustable rate mortgages. People are given a super-low initial rate (or even an interest-only loan), and either misled about what the rate will end up being when it's adjusted, or told that when their rates go up, they can just refinance the loan.
Except that when their rates did go up, and they tried to refinance, they found out that they owed more on their mortgage than their homes were worth.
The math all does work out, but only if you assume that the value of your home is only going to go up.
Jesse - Mar 20, 2008 11:54:44 am PDT #6285 of 10001
Sometimes I trip on how happy we could be.
Yay, Sophia!
And yay for me too, because I finally had an interaction today that didn't end with me wanting to stab the other person, or someone else. Good thing, too, because I'm going out for my friend's birthday, and I would hate to be all stabby.
lisah - Mar 20, 2008 11:54:55 am PDT #6286 of 10001
Punishingly Intricate
Because at a guess, the person showing the unrealistic math doesn't give the people who should ask the questions enough time to think of them.
And it's hard to know what the right questions are to ask. Even if you are relatively educated. I mean, I knew enough not to get an ARM but the whole mortgage getting process was pretty confusing and I could have easily been dicked over.
And then there are unexpected events, like losing your job or health issues.
Jesse - Mar 20, 2008 11:56:04 am PDT #6287 of 10001
Sometimes I trip on how happy we could be.
Most of it has to do with adjustable rate mortgages. People are given a super-low initial rate (or even an interest-only loan), and either misled about what the rate will end up being when it's adjusted, or told that when their rates go up, they can just refinance the loan.
Except that when their rates did go up, and they tried to refinance, they found out that they owed more on their mortgage than their homes were worth.
This has happened to a friend of mine, exactly. Although I wouldn't be surprised if she played her own part in the misleading.