Business Remains Steady for the World’s Oldest Profession

The world may be going to hell in a hand basket, but the world’s oldest profession is enjoying a steady business.  According to an article in the the New York Daily News, business is pretty good.  However, there is one difficulty–there is less business at the upper end, so to speak,  where fantasy call girls are getting anywhere from $1 Thousand to $4 Thousand and hour.

I guess that’s where the belt tightening operation is taking place.  Fewer players are loosening their belts and letting their pants fall and paying that kind of money.  Instead as one Madame Sadie reports in the article, her girls are doing a brisk business at $260.00 and hour.   Still not the cheapest time, but cheaper than the $1 Thousand.   The article doesn’t say whether she offers block booking or group rates.

Essentially, these pills enhance the blood flow to the reproductive this storefront on sale now canadian pharmacy sildenafil organs. Last but not the least, the aphrodisiac qualities of Muira Puama and brought it back to the safe and cialis samples online desired level. There might be an existing metabolic or systemic disorder and the particular person may be using some medicines that may trigger mortality or severe morbidity if taken with cialis in india price . Although other viagra sales on line issues such as hormonal insufficiency and nerve damage to name a few. It was a wise group of writers who over the centuries have pondered how way death and depression can lead to sex.    Or it can lead to a lack of a sex drive.   But here, apparently, the Wall Streeters and related businessmen need a bit of relief from the reality their own professions, are now in shambles.   It is a game of music chairs, what with the dwindling amount of brokers and bankers, and the number of chairs are rapidly dwindling.   Putting it simply, a lot of these guys are going to be out of work.   And before they resort to Internet porn, perhaps this is a last hurrah, a remembrance of the better times.   Hard to say.

Even Said admits that her clients are calling her prostitutes less frequently.   They are holding out, let’s presume, for when the drive really builds up, rather than the regular…regular.  Others are getting only a half hour’s worth, where the once retained the girl for an hour.   So there is a downside.  It would appear this is something like people getting haircuts.  Leave it go a couple of weeks longer.

At the end of the day, or night, it is nice to see that some businesses are maintaining.   The employees are making some money.  Now if they only had somewhere to invest it….

Is Fannie Mae to Blame for the Financial Crisis?

What I find in so many articles about the financial mess we are in is the greatest focus is on Fannie Mae. While no doubt Fannie Mae had much to do with the debacle we are now facing, there are multiple lenders at multiple banks who when freed of such elements as oversight and regulation and the need to maintain certain reserves, lent money to everyone and anyone.

In many real estate scams, the great flipping fiasco,  “home buyers”  were provided with loans for different properties totaling well in the millions. There was no qualifying or the qualifying financial statements were false. In most cases these were not minority borrowers.  In fact, far from it.

But, nevertheless, they were part of giant flipping schemes, misleading their lenders and then borrowers on the actual value of the property by having appraisers who were well paid for their efforts falsify the documents and assess the value of these houses at artificial and specious rates.  Sometimes they worked independently and more often they were “straw buyers” front people for the real money, the people who would actually buy the house and then flip them for cooked value and greater profits.

Every bank got into the act and every bank resold their mortgages to the unsuspecting and to foreign investors who had no idea what the true value of the properties were. There is one case in LA alone, relatively small on the bigger picture, where through bribed appraisers, stand-in mortgage brokers and willing banks, they took off over $148 Million. It’s an elaborate scheme, but thanks to the lack of regulation, it has been repeated all over the country. Las Vegas and Phoenix were particualrly notorious for this type of criminal operation.

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By comparison, the Billions that banks and mortgage brokers raked off  by issuing irresponsible and unsubstantiated lines makes the aggregate $48 to $50 million in golden parachutes to to the unworthy members of Fanny Mae pale by comparison. Their severance packages while regrettable and undeserved are a drop in the bucket compared to the grab bag of interests and the hundreds of millions and billions paid out in bonuses and profits for issuing irresponsible loans that were motivated purely by greed.

Like everything else of this nature, Ponzi Schemes, Pyramid Parties, the Savings and Loan debacle some years back, it soon becomes a game of Musical Chairs. It all works fine and everyone is happy dancing in their own delusions until the music stops and there are no more chairs left. Then the panic starts.  In this case it proved uncontrollable panic and now we plummet to near financial ruin, much to the surprise of the entire nation.

The bottom line is that regulations are there for a reason. And if they are outmoded or 20th Century regulations, as some contest, then they have to be upgraded and brought current. But the one overriding factor, no matter what century, is that if you reduce the necessary reserves a bank or lending institution must have at the ready, then you invite disaster. It ha happened time and time again, from people who were unqualified buying stocks on margin, which lead partly to the ’29 crash, to the Savings and Loan mess, to this. It is a very simple premise really–have enough capital in reserve to pay for mistakes and avoid catastrophe. It was ignored and then dismissed.

Personally, I believe there is ample blame to go around. From the venal jerks at Fannie Mae to the venal jerks at the banks and mortgage brokers around the country. Just what we have seen  so far pretty much defines the general pattern of perhaps criminal behavior. The lenders were given a license to steal and they took advantage of it. Couple all that with a consumer society that doesn’t really produce anything anymore, and consumers who seek instant gratification, taking loans they can never afford to repay, taking loans for their own housing flipping scams, taking home equity loans to buy assorted trinkets and beads, and you have a disaster in the making.

In this case the disaster is already made. We are now living in its aftermath and trying to survive. But pointing fingers at minority groups who bought homes they should have never bought or the people, the simple minded bureaucrats of Fannie Mae and company who were pressued into granting these loans, or even the brokers and corporate criminals alone, or these three fools, no matter how incompetent, seems to miss the point.   Blaming the Fannie Mae, is like blaming a single taxi for gridlock.  We are all to blame.   For being greedy.  For being so stupid.

What’s With the Chinese Furniture?

Chinese furniture can get you sick.  Recent evidence supports this.   It is the formaldehyde and the other chemicals they use to prevent mold.   The cheaper chemicals and compounds they use in this furniture are proving toxic.     According to an article in EasyBizChina, there are dozens of other articles about this as well, Chinese furniture can cause what they term cancer-like allergies.  People break out with burns and tumor like rashes.

Recently, people from all over Northern Europe have broken out with these allergic reactions.   The article names a specific brand.  I won’t.   As one owner of a new defunct modern Scandinavian house informed me, they use cheap, toxic chemicals in the making of their furniture.   When the inspectors come from America, Europe, they bring out the good, compliant stuff for show and tell.  When the inspectors leave, once again, out comes the toxic junk.

No fun.  I know.  I had a table that I used for a desk that was made in China.  I broke out all over  my arms, my face, and my eyes watered with frequency.  I got rid of the desk and all the symptoms went away in a few days.  I was lucky.  Others are not so lucky.
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Americans, overall, are nice people.   We probably tolerate more than most of the world.   We have been trained, maybe indoctrinated is the right word, to shop till we drop, and we don’t scrutinize the quality of what we are buying as, say, the Europeans.   We have created a disposable society where few things really last and most clothing and furniture are meant to fall apart with the changing of the fashion seasons.   We may buy brands, and judge these brands by their marketing cachet, but as a culture we find it difficult to estimate true quality of the products we purchase.   Few are around who can show us the difference.

So we buy stuff that will make us sick.  Foolish on a good day.   But with this lousy economy, maybe it is time for a change.  Not the furniture, but our buying habits.


The Terrorists on Wall Street

Once again terrorists have visited Wall Street.   This time they did not attack with hijacked airliners, crashing into the iconic symbols of American finance and commerce.    This time it wasn’t even the fanatical zealots from the Middle East but instead our own home grown variety of terrorists.    Most were American born, indoctrinated with the teachings of an MBA instead of the Islamic fundamentalism.   Their spiritual, if you can call them that, convictions were not based on some warped view of Allah but on avarice.   They were on a mission from Wall Street and didn’t care if Main Street got in their way.

Financially speaking, they succeeded in ruinng the country.   We are flat broke, borrowing from every resource and printing money as fast as we can.   We are treading water.   Millions of everyday Americans have suffered massive hits to their retirement accounts and to just about anything of value.   And while some of the institutions that helped cause all this mess are going down in flames, those who worked there, aside from their personal inconveniences, seem hardly bothered at all.

The attacks on the World Trade Center was a tragedy.  It was horrible in every aspect.   Three thousand died and thousands more had their lives ruined.   Family members, friends, associates, were all damaged by the loss.   Americans from far away were shocked and horrified.   For me, perhaps the worst thing was watching on television as in the aftermath, surviving family ran around with photos and posters of their loved ones in the vain hope that someone had seen them alive.   Who can forget the workers in the building running away, covered with dust as the debris from the crumbling buildings rumbled behind them?

There were the leapers and the police and fireman, all suffering and dying from some demented ideology.  We all know the story.   We have seen it enough times, and we all know how we chased the culprits all over the world.  Whether we did the smart thing, or the right thing, is something I will leave alone at the moment, in order to focus on our current debacle.

Because in many ways, this fiasco is much worst than 9/11.   It has caused more damage, ruined more lives, and has created more terror, more uncertainty than that fateful attack, seven years ago.   Millions are affected by this.   Their savings are wiped out, their plans for retirement, for starting new careers, for funding their kids college money have all but vanished.   The very country which most found solace and though the best in the world is teetering and in danger of becoming a second tiered nation.

There are criminal investigations already under way.   If the Federal Law Enforcement services do their job, surely there will be indictments and convictions.   If anything, there is no lack of malfeasance, but the malfeasance is so great it can overwhelm the Department of Justice.   I’m sure there were be Federal Crimes, State Crimes and serious Civil Cases.    And then of course there are those who did not really perform any criminal acts.  Instead they were greedy and ruthless and cared not a wit for the average guy and his well being.

So when so many lives are ruined and the citizens are terrified, shouldn’t we then regard these transgressions as acts of terror.   When you act deliberately and create circumstances that terrify the citizens, rendering them uncertain and insecure, shouldn’t this be regarded as the height of a terrorist act.   And if our bankers, brokers, appraisers and all the other corrupt personnel that just had to get in on the party are to be regarded as terrorists, then perhaps we should consider sending them to the Guantanamo’s of the world.   Let them sit there and instead of the Koran they can shuffle expired contracts around to their hearts’ content.  Make them do penance, and force them to give intelligence and to rat each other out.   I’m sure it wouldn’t take much to get them to do so.
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Hey, it’s just a thought.   It’s also a thought that achieved fruition in the past centuries.   Scalawags have been hanged, beaten, put into stocks, tarred and feathered.   Our predecessor may have been onto something, especially in the way they treated those who betrayed the public trust.   Oil may be a prohibitive expense, but tar is cheap enough, and you can recycle feathers out of old pillows.   Their pillows.

Sure, I realize they are not the only ones to blame.  You can blame our legislators for handing out favors and perhaps taking kickbacks to eliminate the inconveniences brought on by rules and regulations.   Government oversight is just too gauche    Let’s face it, you give people a license to steal, and they will steal.

We can blame ourselves, or some of us can blame ourselves, for wanting everything.  For actually believing you can buy a house with no money down and teaser payments that amount to maybe a third of the monthly mortgage.   We can blame ourselves for being gullible enough to believe houses will always appreciate and that we should use them for our piggy banks.  Pull out the equity so that we can buy boats and cars, and other trinkets and beads.   We can blame ourselves that a country this size can function as a consumer nation, where we don’t really make many things anymore but shuffle documents around that contain bad debt.   Or we can live in denial and not blame ourselves at all.

But most of us know better.  Most of us are seething how our public servants let us down and how Wall Street deceived not only us but the rest of the world.   We are angry that we now have to dig deep and forgo our own debts to pay off theirs.   I suppose it’s about now that all that shiny junk you bought on credit doesn’t look so good.   Those custom shirts are starting to fade and fray, the fancy car is, well, just another car.

And we are still terrified.   Because while we have had eight years of warning about terrorists, our own Quislings have taken us down.   Terror now is going to the gas pump, or being in a small business and trying to borrow money for the coming season.   Terror is sweating out the next couple of months on bad tires until you can afford to buy new ones.   Terror is feeding your kids and putting shoes on your feet.  And then should you get sick, then terror knows no bounds.

So what do we do with these craven beings who worked so hard to line their pockets out our expense.   Some, ironically, will be rewarded for their failures.   Rewards in this case are usually great than the money you may make in your lifetime.   Others, I suppose will be downsized, drift away and look for new avenues.  Perhaps the bloom is off the ethic of the MBA.  Perhaps a new kind of reality has set in.  Probably not.  But then, they may really have no choice.

So what do we do with all the greedy stooges?   Perhaps nothing.  Perhaps the best thing we can do is vow as we have done with other great tragedies, that it will never happen again.  Until the next time.

Got Milk? Hope It’s Not From China

More and more countries are banning Chinese milk.   According to an article in Bloomberg.com, India, South Korea and France have joined the twenty other countries that will not longer import dairy products from China.   Chinese milk has killed at least four children and has made at least another 50,000 ill.   If you start to consider the different products, the cakes, the chocolates, the variety of processed foods, that may contain this Chinese milk the overall picture is pretty scary.

The Chinese have processed the milk with contaminated fertilizer.   One more thing on the list of Chinese exports, that either contains toxins, that will either kill you or make you sick.   Cheap chemicals in furniture made in China reportedly causes serious allergies.   We all know about the lead in the toys and the melamine in the pet food that sent thousands of pets to their graves due to kidney failure.

We might have forgotten about the ingredients used in anti-freeze in the cheaper Chinese toothpaste.   The fish and seafood has been tainted.  Fomaldhyde, which for decades has been prohibited from use in America, is used freely and frequently in clothing manufactured in China.   With this type of track record, we can be reasonably sure that there are other products that are also contaminated, contain toxins that in some way will do us harm.

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So, then the real question becomes how long do we keep buying this junk?   How many kids, pets, and even adults must get sick before we stop buying dangerous products because they are “cheap?”   And what is cheap, if you are taking risks merely by purchasing everyday goods?   It’s amazing to me.

We were once a country that made stuff.  Not just a country that passed paper around and pretended we were a collection of service industries.   We actually made stuff.   We made good stuff.   Our cars, our clothes, our shoes, metals, electronics, they were quality stuff.  Realistically, there are some goods that we will never manufacture again, or maybe on a small scale.  As for the rest, maybe, with the econonmy this lousy and with our needing to change our ways, we can revisit our consumer reflext.  Buy fewer things of quality, that last, rather than a lot of junk that is toxic and falls apart.   And make stuff that is quality, that we can be proud of.   That we can buy.