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La Honda Music Lessons
Looking for private in-home or in-studio lessons? Our La Honda teachers are ready to get you started. Find your teacher today!
Popular Music Lessons in La Honda, CA
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Music Lesson Reviews from Students
Students are raving about their Music instructors on TakeLessons. Check out some of these recent reviews.
As a first time voice student, I had no idea what to expect. I have been very nervous in music lessons as an adult. Mary is so friendly,
My 17 year old daughter recently began taking lessons with Richard D., and we couldn't be happier. He is patient and encourag
Gio has a great way of thinking outside the box and teaching my daughter each week. He uses creative methods to engage her and he
My 1st lesson with Jason was very relaxed & professional. I learned more in 45 minutes than the last 5 months on my own in regards to reading
Ole !"
Jina made Kylie feel comfortable during lessons and allowed her to participate in one of her recitals. I feel the lessons taught her how
Thank you Jina, it was a pleasure. :) We look forward to seeing you after Summer."
I was satisfied with his lessons for my granddaughter"
Rhonda has patience and caring when teacher my daughter. She is an excellent teacher."
Lucion is very passionate about the music and teach it very professionally. He communicate clearly and is always on time.
Thank you Lucion"
My older daughter ( 11 years old ) is studying the clarinet.
Jeff has an obvious, observable passion for the clarinet. His teachi
I would recommend Jeff without reservation to anyone looking for a music teacher!
My younger daughter ( 7 years old ) will study piano with him this summer."
And they're not alone!
Our teachers have taught
lessons and counting!
Popular Music Teachers near La Honda
Check out some of our most popular teachers near La Honda including Cupertino, Los Altos, Boulder Creek, Portola Valley and San Gregorio.
About Anthony J.Close
View Full Profile
About Anthony
*** Lesson Details ***
While I do have a general method for education, the priority is always on what the student wants to learn. If you have specific subject material you would like to explore, contact me, I'll certainly help you out in any way I can!
*** Studio Equipment ***
Depending on the situation, I can bring some
-Mesa Boogie Dual Rectifier
-Gibson Les Paul Standard
-Carvin DC400 Custom Build
-Music Man JP12 seven string
-A whole host of other amplifiers, mandolins, acoustics, classicals, and folk instruments
-Home studio equipped with Pro Tools 11 and Logic Pro X for recording
*** Travel Equipment ***
I bring with me basic gear for teaching (not much more than sheet music and a guitar), but I can not leave gear with students. If a student had questions about specific types of gear I may have, including effects processors and amplifiers, and would like a hands-on learning approach, they can contact me in advance and I can demo the equipment for them.
*** Specialties ***
- I have been working recently as a touring musician and recording artist for rock and metal bands for the past few years. If you need assistance with breaking through stage fright, I can help your live presence dramatically. Check out my band, Love District!
- Folk stringed instruments and odd tunings.
- Sight Reading, both classical compositions and big band charts.
- Improvisational techniques.
- Theory and Songwriting.
- Recording techniques.
· Guitar · In home
· Guitar · In home
· Ukulele · In home
Anthony J.
Anthony J.
About Jeff W.Close
View Full Profile
About Jeff
I have been drumming for 20 years. I tend to work mainly as a freelance drummer on multiple acts in the San Francisco Bay Area.
My main Styles tend to include; Pop,Rock,Funk,Reggae and Hip-hop. I am funny, friendly, outgoing, great with kids, and have been teaching music for 5 years and counting.
Example of our First Lesson:
we will work on a fun song/groove-- then we will work on reading and/or rudiments. I am also very patient and Flexible to those students whom have special needs, or want to go slower.
I teach using a combination of modern, traditional
"When the student combines his/her playing with a strong practice, playing, and performance regimen, they are bound to get better and improve to continue making music a concrete hobby in their life."
· Drum · In studio
· Drum · In home
· Drum ·
It's only been 4 lessons but I really appreciate how the lessons are going. Jeff gives good explanations on how to read music and how to execute on the drums.Good pieces of advice too when some parts are hard to play !
Jeff W.
Jeff W.
About DeAnna H.Close
About DeAnna
· Piano · In studio
The instructor is very good and patient with Remi, she makes sure she gets through him in her own special way.
Very grateful,
Remi's grandparents.
· Piano · In studio
I appreciate the instructor very much and I believe that Remi will gain something better from his piano.
Grateful, Remi's grandmother.
· Piano · In home
DeAnna H.
DeAnna H.
About Andrew I.Close
About Andrew
I have been training people in various fields since 2013. I am currently a junior instructor at MTS Studios in Sunnyvale CA where I teach a variety of instruments, including guitar, bass guitar, drums, piano and ukulele.
I am looking forward to helping you further your musical goals and aspirations
· Guitar · Online
· Drum · In studio
· Guitar · In studio
Andrew I.
Andrew I.
About Victoria W.Close
View Full Profile
About Victoria
She has participated in many ensembles ranging from chamber groups, wind
· Flute · In home
· Flute · In home
· Flute · In home
Victoria W.
Victoria W.
Recent Music Articles from the Blog
Whether you're just starting out or a seasoned pro, check out the Music articles on our blog.
Test Yourself: 10 Classical Pieces Behind Modern-Day Songs
Don't care for classical? You might be surprised at how many modern-day singers and bands have borrowed from famous classical composers, and how many classical songs you'll instantly recognize because of it! Read on as Chicago, IL piano teacher Erin W. shares a few examples... Regardless of your musical background, you may be more familiar with classical music than you think! Throughout the centuries, composers have created timeless works of art that continue to capture our hear … Read More
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Not when truth is dirty, but when it is shallow, does the enlightened man dislike to wade into its waters.
I guess you could say that no matter what the characters are enduring, I try to make them retain their humanity. Their self-absorbed, grouchy, selfish, aggravating humanity.
There's nobody else on the face of this earth that's playing a sport at a highest level... with a transplant. That alone continues to inspire me, because I realize throughout the whole world the struggles that people are going through. I need to inspire them the best way I can.
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Following an emergency - social media and cyclones
When Cyclone Tracy hit Darwin in 1974 people were getting information mostly from the radio and TV, but times have changed and so has the way the emergency services get messages out.
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Secure NT is the official gateway for people in the Northern Territory seeking information on emergency preparation.
While the organisation still recommends people tune in to their local ABC station for updates if a cyclone occurs, their website contains links on the latest information and where to shelter.
The Secure NT website has been visited 50,000 times, and whenever a cyclone watch or warning is announced traffic spikes upward.
In recent years officials have taken to using social media to spread the word when a disaster is coming, too.
"The SecureNT website, Facebook page and Twitter account have been established to keep Territorians informed about critical events and issues," a SecureNT spokesman said.
"You can also check the SecureNT site on your mobile with the SecureNT mobile application," he said.
Helpfully, the app includes an emergency kit checklist to help you prepare before a cyclone hits.
The SecureNT social media sites are not constantly monitored, but during an emergency they are updated 24-hours a day, seven days per week.
Authorities are quick to say that the sites are used as an information source and a not a service to seek assistance, and if people want help in an emergency they should call Triple Zero.
Latest videos
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- Explicit video shows Don Dale guard asking child inmates for oral sex
- The missing kids of the 'second stolen generation'
- Flood warnings and predicted rain of up to 160 millimetres as Cyclone Alfred approached the coast.


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A A$10m (US$7.5m) upgrade of Townsville Airport on the east coast of Australia has begun with the early demolition work.
The early works will pave the way for the major construction planned to start in June. The works are not expected to affect scheduled flights and are expected to conclude by the end of this year.
Upon completion, the upgrade will create 18,000m² of extra parking space for large aircraft.
Jackie Trad, deputy premier and minister for infrastructure, Queensland government, said, "The Palaszczuk government's investment in this project is driving economic development and creating jobs in Townsville.
"We are supporting the airport to expand by co-investing A$9m from the Catalyst Infrastructure Program, together with A$1m from Townsville Airport, because we know how important this investment is for North Queensland."
The Catalyst Infrastructure Program supports important infrastructure by providing interest-free financing to projects that will drive further investment.
Kevin Gill, Townsville airport chief operating officer, commented, "The investment will increase the airport's ability to facilitate jet aircraft by 33% at peak times, and provide for overflow parking for the airport services precinct.
"It will also support expected uplift in FIFO operations, the recently announced Air Niugini and Tigerair services, and will benefit commercial airline operations and aircraft awaiting maintenance works."
Written by Kirstie Pickering
April 10, 2017
Apr 28, 2017 14:39
Jet2 investment creates jobs at Belfast International Airport
Apr 28, 2017 14:38
Gatwick Foundation Fund grants US$130,000 to 32 local projects
Apr 27, 2017 15:40
Schiphol cargo handles record breaking volumes in the first quarter
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San Diego airport authority names new president and CEO
Apr 27, 2017 15:37
New Avinor Oslo Airport officially opens
Click here for listings and information on leading suppliers covering all aspects of the passenger terminal industry. Want to see your company included? Email Damien de Roche.
Passenger Terminal World March 2017 is now online.
Read now.
NEW DIGITAL EDITION: From the publishers of Passenger Terminal World, the only magazine dedicated to railway terminal and station design and technologies.
Read the free digital edition >>
British Airways reveals £52m design plans for JFK airport's terminal 7
British Airways has revealed details of its £52m (US$65m) redesign of New York's John F. Kennedy (JFK) international airport's terminal 7.
Passenger Terminal World Showcase 2017 is now online.
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Ready, set, vote
I disapprove of what you say, but I will defend to the death your right to say it
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A Night out or a Night's kip?
Bigger than BNOC
Katie took part in the show that aired last Monday
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There are ten spots
Fiji had to look out for Burgess' big tackles
Nominations are now open for our BNOC of the year award
There's 100 pizzas up for grabs
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Please God no
Hall spirit is what gives Lough the edge
You don't get any weird locals
I was hoping to look like Kylie Jenner
He also said they found NOS in rooms
FND = Friday Night Disasters


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Binary Gamer
Ep. 36: Binary Gamer Strikes Out on It's Own04/24/17
It's a different kind of class this week. Binary Gamer is striking out on it's own and because of that Tony has been busy getting the show to stand on it's own on the internet; and because of that a lesson plan was not created. So instead of radio...
Ep. 35: A Wild Wally Appears! and We Discuss Game...
This week Binary Gamer gets a new instructor to the classroom in the form of long time gamer and passionate retro video game enthusist Wally Jacobs. The Digital Due sit down to discuss Video Game Development Companies from EA, Froom Software, and even...
Binary Gamer Ep. 34: Emulation is the Greatest Form of...
Tony sits down to break down how emulation is achieved, the history of how the medium came to be and why it's important to the preservation of video games in years to come. If you've eer enjoyed a game on an emulator then you have taken part in a...
Binary Gamer Ep. 33: Taking to the Skies with Ace Combat
Tony sits down with the class to discuss one of the best flight combat simulators in the biz Ace Combat. From it's arcade roots to the promise of VR dog fights with PS VR and other platforms, it's nothing but blue skies for virtual pilots in this...
Ep. 20: Live From The Grand Ole Game Room Expo 2016
This week we leave the classroom to head do to Franklin, TN for the very first ever Grand Ole Game Room Expo. Tony sits down with Lorenzo and Casey to discuss Day 1 and what they thought of everything they saw. From Pinball to Arcade to a Halo LAN...
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My wife and I stayed at Orveas Bay Resort for a week in early April. We were so incredibly happy with our choice of places to stay. Our Starboard Cabin was so very welcoming, comfortable, and well appointed for our needs. There is great view...Más
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"The Captain and First Mate's accommodations are shadier then the two cottages, but in our opinion have..."
"The port cabin offers the most privacy while keeping the amazing view!"


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Etymotic announces black 6i earphones
Etymotic Research today announced that its 6i Isolator earphones (iLounge rating: A) are now available in black to match the black iPod nano and fifth-generation iPod. The original white versions of the $150 in-ear earphones recently received the award for Best Headphones of 2005 by iLounge.
"The mildly enhanced bass and greater output of these earphones retains the high frequency response accuracy that Etymotic is known for," said Mead Killion, Ph.D., founder and president of Etymotic. "The 25-band accuracy score of these earphones still exceeds 80%, which is higher than any earphones not made by Etymotic."
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i am totally buying a pair of these after christmas w/ the money i make!
Posted by jason on December 7, 2005 at 3:00 PM (CST)
Finally!!!! I bought the er6 isolators just to avoid getting white er6i's!
Posted by Neil on December 8, 2005 at 2:32 AM (CST)
Just bought a black pair after reading all the great reviews as an upgrade to my Sony's MDR-EX70LP. I'm a little disappointed with the sound quality with the ER6i's. The bass is pretty weak. However, I do LOVE the sound isolation. You can't hear ANYTHING other than the music. This is a good thing.
The downside is that they're a little difficult to get into my ears… I feel like it's gonna tickle my brain. I think I should get a tube of KY jelly would help getting them in HAHA, but then I'd have squishy ears. They're also a little uncomfortable to wear… my ears are getting sore.
The Sony MDR-EX70LP Fontopia's are still so much more comfortable to wear, but the sony's have KICKIN bass.
I think too many people are loosing their hearing on the high end from crankin their headphones to much.
The Etymotics are a bit too high and not enough lows. I actually use the Treble Reducer on the EQ on my iPod, and with the ER6i's it's still too tinny.
Get the Sony's if you like bass but you'll give up a little noice isolation because they are a little "noisy" to wear because of the wires. Definitely a better sound for 1/2 the price.
Posted by void on January 5, 2006 at 8:33 AM (CST)
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by woodleywonderworks Home mortgage rates of interest is one huge subject around the globe. The factor is simply since people realize with something they have to pay back, obviously after getting proper assistance. Whether it goes either up or down, it's always a hot subject amongst us. Not only is it hot, however additionally interesting. In the UK, modifications in home mortgage passion rate are selected by a crucial body called The Financial institution of England Monetary Policy Board. The body's reaction after rising cost of living and degree of debt impacts the mortgage rate of interest in any way within the nation. It works the other method around. If the interest increases, lots of people will think about conserving instead of borrowing some quantity of money. As the outcome, those who are obtaining will certainly face higher payment amount as well as finally the home mortgage loan receiver will get extra concern because of boost of passion itself. Exactly what will happen if the interest price reductions? The other method device shows up on surface area. More individuals will certainly consider lending cash, leading to both passive incomes which originate from saving as well as home mortgage rate of interest due after payment reduced. So, the Financial institution of England rate of interest price would constantly influence the home loan industry within the nation. Still in the Kingdom, everybody needs to put their eyes on every financial organization, only if they intend to obtain the very best home mortgage rate of interest rate ever in the nation. There are several kinds of mortgage rates of interest currently in the Kingdom, those are fixed rate home mortgages, marked down rate home loans, tracker price mortgages, as well as chapped price home loans. For the set mortgage rate of interest, as the name shares, month-to-month payment will never transform for the agreed period of time. As a matter of fact, mortgage rate of interest rate is really appropriate for those who are fretted for changing home loan rate of interest rate on the market. Yes, it transforms and also sadly in some cases we can only predict. In discounted price mortgages, the discount rate itself depends on the motion of prices. For example, if the very best price steps either up or down, after that the gotten discount will certainly also move depends on its instructions. The tracker rate mortgages were developeded due to lack link in between one mortgage rate of interest and also another. These kinds of home loan are variable-rates mortgages,
yet the one which linked directly to the base rate. Consider instance, a tracker home mortgage provider might provide the base rate plus two each cent. Home loan rates of interest also contributes dispute since the 'percent' which supplier deals will certainly be totally subjective. Keeping in mind that nowadays we could discover any kind of helps free of charge so rare. Not also in home loan market, due to presence of home mortgage rate of interest rate. In capped price mortgages, home mortgage rate of interest is very unusual case. Commonly these are unpredictable mortgage however accompanied with warranty that home loan rate of interest rate will certainly never increase over the made a decision degree. This is fairly the most expensive mortgage comparing with others. Again, in the UK, there are great deal of home mortgage solution provider, each with its own mortgage rates of interest. Those are Hanley Economic BS, HSBC financial institution, Clydesdale bank, Abbey, NatWest, Woolwich, as well as firstdirect.com.
Presence of those banks simply makes client believe a bit more which one they should pick. Home loan market is a growing sector there, as well as those institutions just a little proof. Besides, never-constant home mortgage rates of interest is accompanying the market from past and also till future. To discover much a lot more regarding mortgage rates of interest and also debt loan consolidation lending, please
Home Loan Interest Rates
Learn how interest rates are tied to specific forms of mortgages.
The Presidential Election's Impact on Mortgage Interest Rates
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Understanding how mortgage interest rates and APRs, or annual percentage rates, work can help you choose the right loan. APR's include the mortgage interest rate as well as all fees and points that are paid over the life of the loan. It's important to recognize that there are other fees that going into a mortgage loan which may make it more expensive than the interest rate would imply. For more advise, visit LendingTree's loan explorer at http://www.LendingTree.com/loanexplorer today.
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The rich, as Voltaire said, require an abundant supply of poor.
Image by Renegade98
Top photo: Leo Russell
Middle photo: Steph Goralnick
Bottom photo: Leo Russell
From Adbusters #74, Nov-Dec 2007
The Empire of Debt
Money for nothing. Own a home for no money down. Do not pay for your appliances until 2012. This is the new American Dream, and for the last few years, millions have been giddily living it. Dead is the old version, the one historian James Truslow Adams introduced to the world as "that dream of a land in which life should be better and richer and fuller for everyone, with opportunity for each according to ability or achievement."
Such Puritan ideals – to work hard, to save for a better life – didn't die from the natural causes of age and obsolescence. We killed them, willfully and purposefully, to create a new gilded age. As a society, we told ourselves we could all get rich, put our feet up on the decks of our new vacation homes, and let our money work for us. Earning is for the unenlightened. Equity is the new golden calf. Sadly, this is a hollow dream. Yes, luxury homes have been hitting new gargantuan heights. Ferrari sales have never been better. But much of the ever-expanding wealth is an illusory façade masking a teetering tower of debt – the greatest the world has seen. It will collapse, in a disaster of our own making.
Distress is already rumbling through Wall Street. Subprime mortgages leapt into the public consciousness this summer, becoming the catchphrase for the season. Hedge fund masterminds who command salaries in the tens of millions for their supposed financial prescience, but have little oversight or governance, bet their investors' multi-multi-billions on the ability that subprime borrowers – who by very definition have lower incomes and/or rotten credit histories – would miraculously find means to pay back loans far exceeding what they earn. They didn't, and surging loan defaults are sending shockwaves through the markets. Yet despite the turmoil this collapse is wreaking, it's just the first ripple to hit the shore. America's debt crisis runs deep.
How did it come to this? How did America, collectively and as individuals, become a nation addicted to debt, pushed to and over the edge of bankruptcy? The savings rate hangs below zero. Personal bankruptcies are reaching record heights. America's total debt averages more than 0,000 for every man, woman, and child. On a broader scale, China holds nearly trillion in US debt. Japan and other countries are also owed big.
The story begins with labor. The decades following World War II were boom years. Economic growth was strong and powerful industrial unions made the middle-class dream attainable for working-class citizens. Workers bought homes and cars in such volume they gave rise to the modern suburb. But prosperity for wage earners reached its zenith in the early 1970s. By then, corporate America had begun shredding the implicit social contract it had with its workers for fear of increased foreign competition. Companies cut costs by finding cheap labor overseas, creating a drag on wages.
In 1972, wages reached their peak. According to the US department of Labor Statistics, workers earned 1 a week, in inflation-adjusted 1982 dollars. Since then, it's been a downward slide. Today, real wages are nearly one-fifth lower – this, despite real GDP per capita doubling over the same period.
Even as wages fell, consumerism was encouraged to continue soaring to unprecedented heights. Buying stuff became a patriotic duty that distinguished citizens from their communist Cold War enemies. In the eighties, consumers' growing fearlessness towards debt and their hunger for goods were met with Ronald Reagan's deregulation the lending industry. Credit not only became more easily attainable, it became heavily marketed. Credit card debt, at 0 billion, is now triple what it was in 1988, after adjusting for inflation. Barbecues and TV screens are now the size of small cars. So much the better to fill the average new home, which in 2005 was more than 50 percent larger than the average home in 1973.
This is all great news for the corporate sector, which both earns money from loans to consumers, and profits from their spending. Better still, lower wages means lower costs and higher profits. These factors helped the stock market begin a record boom in the early '80s that has continued almost unabated until today.
These conditions created vast riches for one class of individuals in particular: those who control what is known as economic rent, which can be the income "earned" from the ownership of an asset. Some forms of economic rent include dividends from stocks, or capital gains from the sale of stocks or property. The alchemy of this rent is that it requires no effort to produce money.
Governments, for their part, encourage the investors, or rentier class. Economic rent, in the form of capital gains, is taxed at a lower rate than earned income in almost every industrialized country. In the US in particular, capital gains are being taxed at ever-decreasing rates. A person whose job pays 0,000 can owe 35 percent of that in taxes compared to the 15 percent tax rate for someone whose stock portfolio brings home the same amount.
Given a choice between working for diminishing returns and joining the leisurely riches of the rentier, people pursue the latter. If the rentier class is fabulously rich, why can't everyone become a member? People of all professions sought to have their money work for them, pouring money into investments. This spurred the explosion of the finance industry, people who manage money for others. The now- trillion mutual fund industry is 700 times the size it was in the 1970s. Hedge funds, the money managers for the super-rich, numbered 500 companies in 1990, managing billion in assets. Now there are more than 6,000 hedge firms handling more than trillion dollars in assets.
In recent years, the further enticement of low interest rates has spawned a boom for two kinds of rentiers at the crux of the current debt crisis: home buyers and private equity firms. But it should also be noted that low interest rates are themselves the product of outsourced labor.
America gets goods from China. China gets dollars from the US. In order to keep the value of their currency low so that exports stay cheap, China doesn't spend those dollars in China, but buys us assets like bonds. China now holds some 0 billion in such US IOUs. This massive borrowing of money from China (and to a lesser extent, from Japan) sent us interest rates to record lows.
Now the hamster wheel really gets spinning. Cheap borrowing costs encouraged millions of Americans to borrow more, buying homes and sending housing prices to record highs. Soaring house prices encouraged banks to loan freely, which sent even more buyers into the market – many who believed the hype that the real estate investment offered a never-ending escalator to riches and borrowed heavily to finance their dreams of getting ahead. People began borrowing against the skyrocketing value of their homes, to buy furniture, appliances, and TVs. These home equity loans added 0 billion to the US economy in 2004 alone.
It was all so utopian. The boom would feed on itself. Nobody would ever have to work again or produce anything of value. All that needed to be done was to keep buying and selling each other's houses with money borrowed from the Chinese.
On Wall Street, private equity firms played a similar game: buying companies with borrowed billions, sacking employees to cut costs, and then selling the companies to someone else who did the same. These leveraged buyouts inflated share values, minting billionaires all around. The virtues that produce profit – innovation, entrepreneurialism and good management – stopped mattering so long as there were bountiful capital gains.
But the party is coming to a halt. An endless housing boom requires an endless supply of ever-greater suckers to pay more for the same homes. The rich, as Voltaire said, require an abundant supply of poor. Mortgage lenders have mined even deeper into the ranks of the poor to find takers for their loans. Among the practices included teaser loans that promised low interest rates that jumped up after the first few years. Sub-prime borrowers were told the future pain would never come, as they could keep re-financing against the ever-growing value of their homes. Lenders repackaged the shaky loans as bonds to sell to cash-hungry investors like hedge funds.
Of course, the supply of suckers inevitably ran out. Housing prices leveled off, beginning what promises to be a long, downward slide. Just as the housing boom fed upon itself, so too, will its collapse. The first wave of sub-prime borrowers have defaulted. A flood of foreclosures sent housing prices falling further. Lenders somehow got blindsided by news that poor people with bad credit couldn't pay them back. Frightened, they staunched the flow of easy credit, further depleting the supply of homebuyers and squeezing debt-fueled private equity. Hedge funds that merrily bought sub-prime loans collapsed.
More borrowers will soon be unable to make payments on their homes and credit cards as the supply of rent dries up. Consumer spending, and thus corporate profits, will fall. The shrinking economy will further depress workers' wages. For most people, the dream of easy money will never come true, because only the truly rich can live it. Everyone else will have to keep working for less, shackled to a mountain of debt.
_Dee Hon is a Vancouver-based writer has contributed to The Tyee and Vancouver magazine.
Adbusters Magazine
Sorry… NOT!
Image by eyewashdesign: A. Golden
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008
VOTE YOUR CONSCIENCE on 04 NOVEMBER 2008!
Photographer: a. golden, eyewash design – c. 2008.
The richest 400 Americans — that's right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don't they just spend the money they made under Bush to bail themselves out? They'd still have nearly a trillion dollars left over to spread amongst themselves!
Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – OUR — money?
Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE'S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives'" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN'S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!
It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/'ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here's the proposal, now known as "Mike's Rescue Plan." (From Michael Moore's Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN'T, BUT SHOULD'VE:
1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)
2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.
If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:
a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It's the Senator Sanders plan. He's like Colonel Sanders, only he's out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.
b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.
c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.
d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.
All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would've have a little leftover to repair some roads, bridges and schools…
3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn't go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people's primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.
And let's set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.
4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that's how it's done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.
5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here's what Sen.Phil Gramm, McCain's chief economic advisor, said at the bill signing:
"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.
"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.
"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."
FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.
6. IF IT'S TOO BIG TO FAIL, THEN THAT MEANS IT'S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can't happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON'T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can't call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can't explain it in two sentences, you shouldn't be taking anyone's money!
7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it's only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we're in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.
8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE'S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people's savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they've put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees' funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People's private retirement funds must also be protected, but perhaps it's time to consider not having one's retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.
9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it's hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the '80s, 3,000 banks closed, but America didn't go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.
As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn't buy the scare campaign. The citizens didn't blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn't the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say 'Saddam has the bomb' so many times before the people realize you're a lying sack of shit. After eight long years, the nation is worn out and simply can't take it any longer. The WORLD is fed up & I don't blame them.
10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE'S BANK." Since they're really itching to print up a trillion dollars, instead of giving it to a few rich people, why don't We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People's bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country's largest insurance company – let's take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won't be 12th on the life expectancy list! We'll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People's Bank.
P.S. Call your Senators NOW !!! —> www.visi.com/juan/congress/
Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don't get their act together!
The Bailout Is A Truly Evil Disaster And Enabler Pelosi Must Go
We are hearing more and more reports of how badly the ill-advised banker's bailout is being handled, multi-million dollar bonuses for Paulson's old cronies at Goldman Sachs, billions going to finance the takeover of rival banks, making the "too big to fail" even bigger, and the taxpayer getting an otherwise rotten deal for their investment. We even heard a Republic senator asking how fast they could blow the money.
NONE of this could have happened without the fawning complicity of Nancy Pelosi, who infamously said it was Bush's proposal, INSTEAD of coming forward with a robust alternative plan. Just like Bush, she believes she is immune, she believes she is unaccountable, and shame on us if we don't do everything we can to defeat her this Tuesday, and replace her with Cindy Sheehan.
Here is Cindy's last TV spot. Please make whatever donation you can to put this ad on the air in these critical final days.
Last Cindy TV Spot Action Page:
There is still time for you to make a real difference. We thank all of our participants who have already donated so generously to make this campaign what it is. For those who cannot make a contribution, please consider helping with the phone banking, and there is a link for that also on the page above.
The one thing we know is that we must continue to speak out. We must continue to challenge. Surrendering is what our current so-called representatives in Congress are so prone to, NOT what we do. Ultimate victory is not only possible, it is assured if we work as hard as we can for real change, not just the rebranding of the same old boys'
And we promise you, immediately after the election we will go right back to work on pure issue advocacy full time, to continue to build the base of action for the future.
Paid for by Cindy Sheehan for Congress
Donations to Cindy Sheehan for Congress are not tax-deductible
Please take action NOW, so we can win all victories that are supposed to be ours, and forward this alert as widely as possible.
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Calculate Your mortgage Interest Rate and also Discover What The Bankers Are Not Telling You!
< iframe size=" 425" elevation=" 355 "src=" https://www.youtube.com/embed/ndz8tZLWDRg?rel=0" frameborder= "0" allowfullscreen > http://water4yourbestlife.com/?site=CAYM http://samassil.com When is a mortgage car loan of 3.75 % really 67 %? When it is your house finance! Realty Broker, Sam shows the grand deceptiveness in the mortgage passion and also financial market!
Video Score:/ 5
< iframe size=" 425" elevation=" 355" src=" https://www.youtube.com/embed/uePygpiff2c?rel=0" frameborder=" 0" allowfullscreen >< img alt=" Exactly how Do Financial institutions Identify Home loan Rates of interest?" src=" https://www.credit-report-online.net/wp-content/uploads/2017/03/default-1.jpg"/ > http://www.bestsyndication.com/?q=how-are-mortgage_rates_determined.htm. Have you ever asked yourself why financial institutions continually change mortgage rates of interest? There are many elements that help loan providers identify both set rate and ARM home loans. This video will certainly clarify just how the rate of interest is determined. There are several factors that impact mortgage rates consisting of government bonds, prices that the government sponsored enterprise fee as well as the London Interbank Offered Price. In this info program, we will certainly review just how these benchmarks are made use of to assist bankers figure out mortgage rates. One typical criteria pointed out for determining home loan prices is the Federal Funds rate. This is the rate that banks charge other financial institutions for overnight operations. That rate is presently in a range in between zero and 0.25 percent. The price cut rate is the Federal Reserve's key rate of interest price. This is the rate that the Federal Book, likewise called our reserve bank, charges participant financial institutions. Unlike the Federal Funds rate, the Reserve bank has absolute power in determining this interest price. The existing primary rate for the participant banks is 0.75 percent. Banks that are not qualified for this main price are billed 1.25 percent. A 3rd seasonal price is for small depository organizations that need to meet seasonal needs. The Prime Rate is just what banks charge their ideal consumers, usually corporations and also large firms. This rate is commonly 2.5 to 3 percent above the Federal Funds price. These rates hardly ever modification, so why do home mortgage prices fluctuate so often?
There are other benchmarks, consisting of federal government bonds. The "Funding Markets "play a major duty in mortgage rates. Investors are continuously looking for security as well as a return on their investment. The best investment has U.S. government bonds, notes as well as expenses. But the price of return is relatively weak as compared to exactly what they could get acquiring other securities. Investors going to take a bit even more danger could take into consideration stocks or mortgage backed securities. Usually, in better financial times they want making riskier financial investments. Government securities have historically been taken into consideration low risk investments.
Just like a become aware of cattle or sheep, after the indicator of economic unpredictability financiers will certainly group to these safety and securities. This owns down returns. Right here is an instance. Allow's say there is a 100 buck Treasury bill offered that will pay 110 dollars on maturity. If there is a great deal of need for the T-bill, the rate will certainly enhance. You might bid 100 dollar, however your next-door neighbor could bid 105 buck for that exact same security. The higher the rate for that T-bill will decrease the yield. Instead of producing 10 dollars at face worth, the bill will certainly not yield just 5 bucks. Conversely, when need for bonds fall, the passion yielded on them enhances.
Banks as well as various other lending institutions are also in competition for capitalist bucks.
If Treasury yields go higher, banks need to offer capitalists a much better return on their financial investment also. Thus, they require to raise the rates of interest to the house owner/ debtor. Given that the 30-year home mortgage is normally paid-off or refinanced before One Decade, the 10-year note is just one of the better criteria bankers utilize to figure out home loan prices. Considering that acquiring home loans is a lot more dangerous than purchasing government Treasuries, banks have to pay a premium for that threat. That premium has historically been around 1.5 to 2.0 percent. If the 10-year note is giving a return of three percent, expect the 30-year home mortgage rates of interest to be someplace around 4.75 percent. The Adjustable Price Home mortgage( ARM) will
typically carry a 30-year term yet will have a variable rates of interest beginning after 5 years. Usually the rate will readjust annually after that. Financial institutions will certainly use numerous benchmark indexes making that adjustment. The most common benchmarks are the London InterBank Offered Price, or LIBOR, as well as the Prime Price. Video Rating:/ 5
Mortgages and Interest Rates Explained (Mortgage)
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Video Rating: / 5
~ Bailout ~ Bubbles ~ Burst ~
Some cool home loan interest rate photos:
~ Bailout ~ Bubbles ~ Burst ~
Image by eyewashdesign: A. Golden
BLOGGED: 08 Oct. 2008: www.counterspinyc.blogspot.com/
start to see the web log here —> blog.myspace.com/index.cfm?fuseaction=blog.ListAll&fr…
Past Financial BAILOUT BUBBLES
By: Industry/Corporation
By: Year
What Took Place?
Price in 2008 U.S. Dollars.
● Penn Central Railroad
1970 .2 billion
In May 1970, Penn Central Railroad, then regarding the brink of bankruptcy, appealed towards the Federal Reserve for aid on the grounds it supplied crucial nationwide protection transport services. The Nixon management while the Federal Reserve supported providing economic assistance to Penn Central, but Congress declined to look at the measure. Penn Central declared bankruptcy on June 21, 1970, which freed the corporation from its commercial report obligations. To counteract the damaging ripple results towards cash market, the Federal Reserve Board informed commercial finance companies it can supply the reserves necessary to allow them to meet with the credit requirements of the clients.
● Lockheed 1971 .4 billion
In August 1971, Congress passed the Emergency Loan Guarantee Act, which may provide funds to any major commercial enterprise in crisis. Lockheed ended up being the very first recipient. Its failure might have meant considerable task reduction in California, a loss toward GNP and an impact on nationwide security.
● Franklin National Bank
1974 .7 billion
In the 1st five months of 1974 the financial institution destroyed .6 million. The Federal Reserve stepped in with that loan of .75 billion.
● new york 1975 .4 billion
Throughout the 1970s, nyc became over-extended and entered a time period of financial crisis. In 1975 President Ford signed this new York City Seasonal Financing Act, which circulated .3 billion in loans into the city.
● Chrysler 1980 .9 billion
In 1979 Chrysler experienced a loss in .1 billion. That 12 months the corporation requested aid from the government. In 1980 the Chrysler Loan Guarantee Act had been passed away, which provided .5 billion in loans to rescue Chrysler from insolvency. In addition, the us government's aid was to be coordinated by U.S. and international finance companies.
● Continental Illinois Nationwide Bank & Trust Co.
1984 .5 billion
Then the nation's eighth biggest lender, Continental Illinois had
experienced considerable losses after buying billion in energy financial loans from the failed Penn Square Bank of Oklahoma. The FDIC and Federal Reserve devised a plan to save the financial institution that included changing the lender's top professionals.
● Savings & Loan
1989 3.8 billion
Following the widespread failure of savings and loan institutions, President George H. W. Bush signed and Congress enacted the Financial Institutions Reform Recovery and Enforcement Act in 1989.
● Airline Industry 2001 .6 billion
The terrorist assaults of September 11 crippled a currently financially distressed industry. To bail-out the air companies, President Bush signed into legislation air Transportation security and Stabilization Act, which compensated airlines the necessary grounding of aircraft after the assaults. The act released billion in settlement and an extra billion in loan guarantees or any other federal credit instruments.
(just what took place after the bailout?)
● Bear Stearns 2008 billion
JP Morgan Chase and the federal government bailed completely Bear Stearns whenever economic monster neared failure. JP Morgan purchased Bear Stearns for 6 million; the Federal Reserve provided a billion line of credit to guarantee the purchase could progress.
● Fannie Mae / Freddie Mac
2008 0 billion
The near collapse of two for the country's largest housing finance entities ended up being another manifestation of the sub-prime home loan and housing industry crisis. In an attempt to prevent additional turmoil in the monetary marketplace, the U.S. government seized control over Fannie Mae and Freddie Mac and guaranteed up to 0 billion for every business to make certain they would maybe not get into bankruptcy.
● A.I.G. 2008 billion
Whenever AIG was incapable of secure a private-sector loan, the us government intervened by seizing control of the insurance coverage giant.
● car business 2008 billion
In belated September 2008, Congress approved a far more than 0 billion spending bill, including a measure for billion in loans toward auto business. These low-interest financial loans tend to be intended to assist the industry with its push to construct more fuel-efficient, environmentally-friendly cars. The Detroit 3-General Motors, Ford and Chrysler-are the principal beneficiaries.
● Troubled Asset Relief system 2008 0+ billion
The Bush management has actually proposed a relief intend to relieve current crisis on Wall Street. If authorized by Congress, the Treasury division will be authorized to buy up to 0 billion of distressed mortgage-backed securities and other assets and then sell the mortgages to investors.
The reason why should responsible People in the us be forced to purchase the blunders of other people?
A bailout is morally reckless as it motivates careless and unreasonable behavior. Here's a brief range of the countless "moral hazards" a bailout allows:
A bailout delivers the wrong message about private obligation. It informs People in america in no uncertain terms that their monetary choices have no consequences; the us government will pick-up the loss.
A bailout tells accountable Us citizens that they're suckers. If responsible United states was in fact smart, they might have overextended themselves, bought domiciles they could perhaps not afford, and removed house equity financial loans on the basis of the paper worth of their property. After that, once the bill emerged because of, they could simply pass it into the government.
A bailout allows financial institutions, mortgage brokers, speculators, and re-financers to profit from their abuse for the system. In so doing, it encourages these folks to act irresponsibly, in the future.
A bailout will force Americans just who acted responsibly to fund people who would not. The typical US – whom saved and scrimped for a long time purchasing a property, but could not because speculators and over-extenders boosted residence prices beyond affordability – will now need to purchase the domiciles of these who were less scrupulous.
A bailout need a disproportionately unfavorable impact on minorities and youth. Minorities and Americans under 35 are disproportionately underrepresented among property owners. While non-Hispanic whites enjoy a 75% homeownership rate, lower than 50% of blacks and Hispanics very own homes. Likewise, just 42% of Us citizens under 35 very own domiciles, when compared with 80% for People in america 55 and older. A government bailout will perpetuate this competition and generation space by propping-up inflated residence rates, therefore forever pricing minorities and a generation of youth out from the marketplace. And, in a Kafkaesque paradox, these folks will in actuality have to pay to prevent on their own from buying homes (i.e., fees).
A bailout normally fiscally irresponsible:
A bailout props up over-inflated housing costs, thus putting homeownership out-of-reach for young families and responsible Us americans who respected there ended up being a bubble. The housing marketplace needs the correction your bailout seeks to stop due to the fact typical United states cannot manage to purchase a house. "You is not in both favor of inexpensive housing as well as in favor of propping up house costs!"
A bailout creates perverse incentives. Rather than punishing their behavior, it motivates financial irresponsibility among bankers, home loans, speculators, and refinancers. These people made money pay fist previously nine years (remember, home consumers just who tapped their home equity got cash money to fund Escalades, holidays, and stainless steel appliances; today they need you to definitely pay for it!). Why improve your behavior whenever you reap the benefits of it?
A bailout changes the potential risks of falling marketplace costs from economically secure financial institutions into the United states taxpayer. Consequently, either taxes and/or national shortage will skyrocket! It is a government handout we just can't manage & moreover, It Is Wrong!
A bailout is despite the free marketplace axioms upon which our economy is situated. It jams a large wrench in to the marketplace correction, with side effects that will be both severe and long-lasting.
door secret
Image by woodleywonderworks
[key test]
Cost-of-living Then and today – 1990 versus 2012
Image by HSBC UK Press Office
Recently heralds the next anniversary associated with base price reduction to a historical reduced of 0.5per cent together with 22nd anniversary of mortgage rates of interest peaking at 15.4percent. Analysis by HSBC shows the changes in the expense of residing between 1990 and 2012, from cost of borrowing from the bank in addition to quantity of mortgage belongings to the cost of each and every day items like a loaf of breads and a pint of milk.
Nice Mortgage Interest Rate photos
A few nice mortgage interest rate images I found:
The Environment
Image by khteWisconsin
(>500 hits) Monarch "Danaus plexippus"
* Warning: this text contains Politics *
Amongst other things, Flicker is a reflection of the world. So for those of you who like taking pictures of our natural world, you may want to consider the following:
As you may know, there is a whole bunch of United Nations proceedings currently taking place and soon a Climate summit of sorts will be held in Copenhagen, Denmark.
The article on the front page of the Financial Times quotes a European Official as saying:
"So far, we thought the problem was the Chinese and the Indians. But now I the problem appears to lie most clearly with the US". The article goes on to say the problem is specifically with the US Senate holding up global progress on the matter. According to Harry Reid, the US Senate Majority Leader, environmental legislation may very well have to wait until next year in lieu of the all consuming Health Care Reform debate taking place in the US.
There you have it – America is the most internationally renowned environmental pariah on the planet. Now I have a voice, and I have a choice about my opinion on the matter…and here it is – Bologna! Nope! Not on my tax dollar!
Firstly, Mr. Reid's excuse that the US Senate is too busy right now to deal with the global environmental crisis is abject garbage. Despite the fact that I can't imagine why any US Senator would think that multi-tasking wouldn't be part of the job, other evidence also suggests that this is a complete lie.
Take a look at maplight.org/. Maplight offers a searchable database of campaign contributions and other cash payments to Senator's together with their voting history on legislation that would effect the contributor purchasing legislation. Hmm,…look at those dates!? Hmm,…look at those legislative topics!? My, my, my, isn't that a lot of money – unrelated to Health Care Reform – for the Senator to take receipt of during the Health Care debate without the party paying the money sitting down with the Senator and giving himher voting instructions or explaining the legislation that they wrote? Yeah it is. And if you don't think so consider that the Senate is currently considering an amendment or "rider" to the Interior/EPA appropriations bill that would bar the Environmental Protection Agency from using its existing authority to limit global warming pollution from power plants and factories. Then there is Senator Vitter's currently working on an amendment to gag the President's well-respected climate change advisor Carol Browner.
A third amendment aims to obstruct EPA's ability to complete the Renewable Fuel Standards rule and hinder their ability to ensure ethanol fuel blends will not endanger air quality and public health. All told it is probably accurate to say that the Senate is too busy to consider passing effective Climate Change right now. But unfortunately, it is not because of Health Care but rather because of engaging in efforts to the contrary on behalf of polluters so they can line their own pockets.
It gets worse. The primary Global Warming initiative that the U.S. is dragging their feet on is the Waxman Markem Bill. It includes a whole bunch of stuff heralded as the U.S.'s arrival on the scene to fight Global Warming. The bill has a very apt nickname, however, for what it really is "The Coal Preservation Act". The Bill will increase the amount of C02 in the atmosphere and turns over management of the widely acclaimed Transferable Discharge Permits to Wall Street. The people who brought the Mortgage Backed Security Crisis.
It still gets worse. No not the correlation coefficient between cash paid and voting behavior but the "STOCK Act". What is this "STOCK Act" that our National Politicians are redoubling their efforts to make sure that it doesn't even come to a vote? The "STOCK Act" would make Insider Trading (using information not available to the public but gained via their political position) by Congresspersons illegal. Yes folks, American's not only need to worry that our National Politicians are selling legislation that doesn't represent the best interests of flesh and blood taxpayers, but that they are making voting decisions based upon what is best for their personal financial portfolios. But don't despair, there is some evidence that suggests they do vote according to what special interests paid them to do, and then simply make changes to their portfolio accordingly. (Doesn't take that much time away from the Health Care debate to talk to your broker).
In a review of 6,000 financial transactions our national politicians consistently beat the market rate of return. Warren Buffet isn't even that good. And once again, U.S. National Politicians found time to fight the STOCK Act while the Health Care Debate supposedly took away focus from its obligation to fight the Global Environmental Crisis.
My message to U.S. National Politicans? Even though you can successfully excuse or spin the "Cash Party's" machinations away in the minds of the American people, don't expect the same of the rest of the World. They are not captive to your bologna. They are not pacified with having been given a right to vote that is of increasingly dubious significance. A tip of the hat to the Financial Times for pinning the problem down to the conduct of the US Senate.
2014 – Vancouver – Street Sleeper – 2 of 2
Image by Ted's photos – For Me & You
Sleeping on a sidewalk in the Downtown East Side (DTES) of Vancouver BC takes on a different sense of survival than is observed in many west side sleepers. A combination of mental issues, drug sale and use, area resident poverty and the resulting community of "Customers With No Cash" combine for a perfect locale to take advantage of people on the edge where living is not comparable to what most of us bring to mind in our own comfortable world. Prostitution and drugs are a large part of this community. One can not help feel sorry and remorseful this exists in self important Vancouver.
The irony of this photo is it was shot about 10 feet from the entrance of BC Housing's recently opened Orange Hall office (open 10 am to 4 pm Monday to Friday) 297 Hastings Street at Gore Ave. This situation has steadily gone downhill since the Federal Governemt cut back funding for social housing.
From BC Housing website:
October 3rd, 2014
VICTORIA – The B.C. government is strengthening the non-profit housing sector by transferring provincially-owned properties to non-profit housing providers.
The Province owns approximately 350 parcels of land throughout British Columbia that are currently leased long-term to non-profit housing providers who own and operate social housing buildings on these properties.
The non-profit housing sector has been asking for this step for many years. Having ownership of the land will improve a non-profit's ability to support better long-term planning and selfsufficiency. Owning the lands they operate on will also help non-profits secure the financing they need to be sustainable.
In order to transfer title, the Province will end these leases, and then transfer ownership of the land to the societies. The properties will be transferred at fair market value. The Province will assist the societies to secure mortgages on the properties. The current operating agreement that BC Housing has with each non-profit society will remain in place. Approximately 115 properties will be transferred by March 31, 2015, and the rest will be transferred over the next three years.
In addition, the Province is looking to transfer ownership of two properties currently managed by BC Housing to non-profit societies. The Province will begin the process by posting Expressions of Interest for Nicholson Tower and Stamps Place in Vancouver shortly.
Tenants will not be impacted by these transfers, and the amount of affordable housing stock will remain stable. Non-profit societies have been providing social housing in B.C. for more than 60 years. Today more than 90% of social housing is managed by non-profit societies.
VANCOUVER — The Globe and Mail
Published Monday, Oct. 13 2014
Vancouver won't solve street homelessness until both the city and province focus on targeting the limited supply of expensive social housing to those who need it most, say experts.
That means help can't go to anyone who passes through a shelter or an outdoor camp or even to someone who sleeps outside temporarily. In the vast majority of cases, people who become homeless experience it briefly and are able to avoid losing housing again.
But people working on eliminating homelessness do not always understand that the thousands of people who experience homelessness in a year don't all need expensive subsidized housing. That should be reserved for the chronically homeless, who are not sufficiently helped by temporary assistance with rent or other social supports.
"For nearly 90 per cent of people counted as homeless, they'll get themselves out of homelessness on their own," says Tim Richter, who led Calgary's 10-year plan to end homelessness and is now the president of the Canadian Alliance to End Homelessness. "It's critical to set priorities. It shouldn't be first-come, first-served."
One of the region's most experienced homelessness researchers, former Vancouver city-hall staffer Judy Graves, said the city is reaping the results of city and provincial staff not always setting the right priorities for the past six years. This past winter, Vancouver still had a count of 533 people sleeping outside (less than in 2008, but more than in 2011), even though the province and city have opened up thousands of new social-housing units rented at welfare-level rates.
It's an issue that is returning to haunt Vision Vancouver Mayor Gregor Robertson, who promised in 2008 to end street homelessness by 2015, during this fall's civic-election campaign.
His administration, which has pushed the issue non-stop since he was first elected, has recently exceeded previous efforts by jumping last month into paying for all the costs of converting a downtown Quality Inn to transitional housing, as well as all the costs of a new shelter nearby. Usually the province covers the majority of costs for both of those kinds of housing.
But Ms. Graves said even that unusual effort, accompanied by several hundred other new provincial units about to open, isn't going to solve the problem by January, 2015.
That's because the province is only committed to using half of the incoming housing units for the chronically homeless. And city staff also don't always correctly identify who is the most in need.
"Both the city and province have bought into housing by wait lists," said Ms. Graves. "It just can't work. You have to work as though you're in a disaster zone."
She said she had doubts that the majority of people who camped in Oppenheimer Park over the summer were homeless, but they got priority for the scarce number of rooms available.
As well, in the early stages of the province's big social-housing construction push, which will see 14 towers completed with around 1,400 units by the end, non-profit operators were simply moving people from residential hotel rooms into the new buildings.
That meant the housing didn't go to the chronically homeless and the most in need, but worse, it then allowed landlords in the residential hotels to do renovations, raise rents, or refuse new low-income tenants once the former tenants were relocated to social housing.
That then reduced the overall number of private, low-cost housing units in the city. Ms. Graves said the whole region is experiencing an acute shortage of those kinds of private units now. It has become a game of musical chairs for housing-outreach workers to get a low-cost unit for someone trying to get out of shelters or off the street, she said.
All cities are grappling with constant pressures that create more homelessness at the front end: low working-class incomes that can't keep up with gentrification and rising rents key among them, said Ms. Graves. That has left cities trying to solve the problem at the back end, trying to house all the people made homeless as a result of many larger forces.
16 Oct 2014 24 Hours VancouverJANE DEACON Comment at vancouver.24hrs.c
Laura Dilley, PACE Society Action Week, PACE plans to draft housing recommendations for city council before the coming election.
"Oftentimes we will create housing models not including the voices of those we would be housing," said Dilley.
Rising rent prices that force people out of SROs is a significant factor, as well as landlords who refuse to rent to sex workers out of legal concerns, said Dilley. Low- income housing conditions that require tenants stay in at night or guests to sign in are also significant barriers. She estimates between 10 to 15% of sex workers fall under the category of "survival" or street- based prostitution. For that vulnerable population, simply switching professions is often not an option, said Dilley.
"They're really forced and entrenched to continuously do that work because they have no options out of it, because we have such stigma in our society that they can't seek help, they can't find affordable housing, so they're really stuck in that situation," she said.
Understanding Reverse Mortgage Interest Rates
Image by aag_photos
Learn all about reverse mortgage interest rates with this detailed article: www.aag.com/news/reverse-mortgage-interest-rates
Home Loan Interest Levels | Housing | Finance & Capital Markets | Khan Academy
Understanding how mortgage rates of interest tend to be quoted. Developed by Sal Khan.
View next concept:
Missed the prior class? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/introduction-to-mortgage-loans?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets
Finance and money markets on Khan Academy: a lot of people purchasing a property need a home loan to do so. This tutorial describes just what home financing is then actually does some mathematics to determine what your repayments are (the past video clip is very mathy therefore ponder over it recommended).
About Khan Academy: Khan Academy provides rehearse workouts, instructional videos, and an individualized understanding dashboard that empower students to study at their particular rate in and outside the classroom. We tackle mathematics, technology, computer-programming, history, art record, economics, and more. Our math missions guide students from kindergarten to calculus making use of state-of-the-art, adaptive technology that identifies talents and learning gaps. We have in addition partnered with establishments like NASA, The Museum of contemporary Art, The California Academy of Sciences, and MIT to provide specific content.
For free. For everybody. Forever. #YouCanLearnAnything
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text:
Question : If speed is all that matters, how can you get from LGW to BFS as quickly as possible?
Answer : The shortest direct flight is one hour and 20 minutes via Ryanair. If you catch the 5:55 PM BST departure, you'll arrive at 7:15 PM BST.
Question : If traveling from LGW to BFS, how long can you expect to be in the air?
Answer : When flying from LGW to BFS, it will take one hour and 29 minutes on average.
Question : Should you be aware of any airlines that have a reputation of delayed arrivals for this route?
Answer : 100% of Thomas Cook Airlines flights from London Gatwick Airport (LGW) to Belfast International Airport (BFS) are delayed. If you're on Thomas Cook Airlines, be sure to sign up for the delay notifications to stay up to date with your flight's status.
Question : Which airline is offering the cheapest flight from LGW to BFS?
Answer : easyJet is the leader in keeping prices down for their passengers over the next three months. Fares are being booked at just $66, which is quite a deal when compared to the more expensive bookings of $156.
Question : How many days should you spend in Belfast?
Answer : The average time spent in Belfast by travelers from London is five days.
Question : Is there another local airport that can get you to Belfast?
Answer : London Heathrow Airport is just 25 miles away, and, on average, flights are 14% cheaper for the next few months. Save a few bucks and put it toward your next trip.
Question : Should you take that vacation to Belfast in the next 30 days?
Answer : May 6th has seen bookings (as of Apr 24th) as cheap as $67. That comes in 18% below the average price for this route. Saving now means you'll have more money to spend on your trip.


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Neuvoo South Africa provides 1,372 it recruitment consultant vacancies in South Africa. Apply now and get the best job available.
IT Recruitment Consultant vacancies in South Africa
The it recruitment consultant is a profession in the Human Resources category. In total on Neuvoo South Africa, more than 1,372 job vacancies are available from hundreds of sources such as job boards, career websites, newspapers and placement agencies. Similar job vacancies from this sector like Human Resources Technician, Human Resources manager, Job Coach, Payroll, Payroll Administrator or Payroll Assistant are also very present.
Companies hiring it recruitment consultant applicants
DS Associates, Thapelo Personnel (Pty) Ltd., WHM Recruitment Advisors, Brent Personnel, Key Recruit or Persona Staff are among the top companies looking for applicants like this.
Employment statistics
Each month on average, 686 new vacancies are offered on Neuvoo South Africa. Provinces where these candidates are most in demand are . Cities with the most corresponding jobs available are Johannesburg, Sandton, Cape Town, Pretoria, Centurion or Midrand .
Neuvoo South Africa: the largest job site in South Africa
Neuvoo South Africa indexes over 157630 vacancies in South Africa, 2,864 of which are in human resources and 1,372 of which are it recruitment consultant job opportunities.Show more...
AtripleA Recruitment and Temps |
Pretoria, Gauteng
- 1d ago
NB. Email applications only. Recruitment Consultant with experience in the IT sector. Attention... Senior Certificate. 2 3 years' work related experience. Recruitment in the Information Technology and...
Insource |
Johannesburg, Gauteng
- 1d ago
Are you a recruitment specialist who can spot good IT talent. Do you want to create a new future for... Passionate, motivated sales consultants who can connect unique client needs with the right candidates...
Communicate Cape Town IT |
Cape Town, Western Cape
- 20h ago
Apply today and take your next career step with Communicate Recruitment. Motivate yourself to be better... Job Description. Recruitment activities in line with company Recruitment standards.Focus on clients and...
Communicate Personnel - Cape Town IT |
Cape Town, Western Cape
- 20h ago
Gain an inside perspective on the functioning of a successful Recruitment Firm. Learn from successful... Job Description. Recruitment activities in line with company Recruitment standards. Focus on clients and...
AdvTech Resourcing HR |
Sandton, Gauteng
- 20h ago
IT Recruitment ConsultantA JSE listed company based in Pretoria is searching for an IT Recruitment... Interviewing. Attending client meetings. Requirements. Min 2 3 years' experience in a recruitment agency...
Brightwater |
Dublin, Limpopo
- 7d ago
IT Recruitment Job. Winner of Recruitment Agency of the Year and Best Online Agency at the 2016 NRF... Build your own operation Join us Perhaps you can sum up a Brightwater Consultant like this. Driven...
Johannesburg, Gauteng
- 11d ago
Description. Specialist IT Recruitment Consultant. Bryanston,JHB. If money is your driver and you are... Our consultants have the pleasure of focusing on specific fields in IT and earning their title as...
Yawee IT Solutions |
Johannesburg, Gauteng
- 7d ago
R perspective. Yawee Human Capital is an exclusive and reputable recruitment & human capital company... We are looking for dynamic recruitment consultants seeking to further build their career in HR...
EQplus |
(Unspecified city), Gauteng
- 2d ago
IT Recruitment Consultant required with 1. 5 years experience. This role is more focused on Account... Focus only on Permanent recruitment within the IT Industry. If you'd like more info, please send your CV...
AtripleA Recruitment & Temps |
Sandton, Gauteng
- 1d ago
Please email cv and latest payslip. sue aaaa.co.za. ESSENTIAL JOB FUNCTIONS. Act as team lead and provide direction in solution design to other consultants at client site. Lead the preparation...
Hire Resolve |
Port Elizabeth, Eastern Cape
- 11d ago
Job Description. Leading Recruitment Specialists with offices nationwide and internationally, require Recruitment Consultants for the FMCG, IT, Finance and Engineering Divisions. You will be...
Gijima |
Centurion, Gauteng
- 14d ago
Description Are you a dynamic recruitment consultant. Are you target driven with proven results. If YES... Salary will be on a basic. comm structure. You will be exposed to a strong recruitment team in the ICT...
Brightwater |
Dublin, Limpopo
- 7d ago
Recruitment Job. Winner of Recruitment Agency of the Year and Best Online Agency at the 2016 NRF... Due entirely to expansion, we are now looking for two additional experienced recruitment managers...
AdvTech HR |
Sandton, Gauteng
- 20h ago
IT Recruitment ConsultantA JSE listed company based in Pretoria is searching for an IT Recruitment... Interviewing. Attending client meetings Requirements. Min 2 3 years' experience in a recruitment agency...
The Staff Connection |
Germiston, Gauteng
- 20h ago
Staff Connection is looking for a Recruitment Consultant to join us here. We are based in Essexwold (Germiston Bedfordview area), salary on offer is R 5 000. R 7 500 Basic pus commission...
Execuplace Appointments |
Johannesburg, Gauteng
- 20h ago
Our Company is seeking to employ either on a full time or part time basis Recruitment Consultant with... Ability to work independently and within the team of Consultants. Previous recruitment experience...
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