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Date Night: Night of Romance
- - Per Person
What You Will Learn
Celebrate your love and join us for an intimate evening of courtship in the kitchen. Working alongside your special someone, you'll discover how fun and romantic it is to prepare a meal together. Delicious, authentic and approachable, this meal will offer you the opportunity to experience the passion that comes from sharing great cuisine.
*Please note: Class price is per person.*
What To Expect:
Great cooking isn't about recipes—it's about techniques. In our classes you'll work together with other students in a fun, hands-on environment led by our professional chef instructors.
- Learn fundamental skills for a lifetime of great cooking
- Work side-by-side with other students to prepare each dish
- Interact with classmates and the instructor for a rich learning experience
- Classes are 2 to 2 1/2 hours and each student enjoys a generous taste of every dish
- Held in our professional teaching kitchens, each class is led by experienced chef instructors
- Students receive a 10% discount coupon to use the week after the class
Sarah Baumert


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Mary Elizabeth "Betty" Percell passed away at Mercy Medical Center in Durango on Thursday, Jan. 17, 2013. She was 71 years old.
Betty was born the daughter of Marion Lester and Mary Lucile (Crawford) Coleman on April 24, 1941 in Los Angeles, Calif. Betty spent 15 years working in the Montezuma County Treasurer's Office, building treasured relationships with her co-workers and the public. When Betty wasn't working she enjoyed collecting antiques and frequently taking long rides.
Surviving Betty are her children, Debbie Granger of Mancos, Pam Wilson and husband, Harold of Dolores, and Jim H. Dykes of Bayfield, Colo.; her grandchildren, Brandon Hill, Jason Hill, Eric Wilson, Marissa Hurst and husband, Cody, Tyler Dykes and Colton Dykes; by one great grandson, Remington Adams; and by her sister, Barbara Linkler and husband, Bill of West Covina, Calif. Betty was preceded in death by her parents; and by her son, Anthony Granger.
"If tears could build a stairway and memories a lane, I'd walk right up to heaven and bring you home again."
Cremation has taken place. A Celebration of Life will be held at a later date. Memorial contributions can be made in Mary Elizabeth Percell's name with the American Diabetes Association.
Arrangements are being made through Ertel Funeral Home. For further information or to send condolences, log on to www.ertelfuneralhome.com and click on the obituary section.

subset: commoncrawl


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by kwolosz on October 22, 2012
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Mind The Science Gap was a Science Communication Training blog that ran between 2012 - 2013.
Each semester, ten Master of Public Health students from the University of Michigan participated in a course on Communicating Science through Social Media. Each student on the course was required to post weekly articles here as they learned how to translate complex science into something a broad audience can understand and appreciate. And in doing so they were evaluated in the most brutal way possible - by the audience they were writing for!
Mind The Science Gap is managed by Andrew Maynard
Get smart with the Thesis WordPress Theme from DIYthemes.


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State of the art
The purpose of this section of the ACL wiki is to be a repository of k-best state-of-the-art results (i.e., methods and software) for various core natural language processing tasks.
As a side effect, this should hopefully evolve into a knowledge base of standard evaluation methods and datasets for various tasks, as well as encourage more effort into reproducibility of results. This will help newcomers to a field appreciate what has been done so far and what the main tasks are, and will help keep active researchers informed on fields other than their specific research. The next time you need a system for PP attachment, or wonder what is the current state of word sense disambiguation, this will be the place to visit.
Please contribute! (This is also a good place for you to display your results!)
As a historical point of reference, you may want to refer to the Survey of the State of the Art in Human Language Technology (also available as PDF), edited by R. Cole, J. Mariani, H. Uszkoreit, G. B. Varile, A. Zaenen, A. Zampolli, V. Zue, 1996.
- Anaphora Resolution (stub)
- Automatic Summarization
- Chunking (stub)
- Dependency Parsing (stub)
- Document Classification (stub)
- Language Identification (stub)
- Named Entity Recognition
- Noun-Modifier Semantic Relations
- NP Chunking
- Paraphrase Identification
- Parsing
- POS Induction
- POS Tagging
- PP Attachment (stub)
- Question Answering
- Semantic Role Labeling (stub)
- Sentiment Analysis (stub)
- Similarity -- ESL, SAT, TOEFL, RG-65 Test Collection, WordSimilarity-353, SemEval-2012 Task 2
- Speech Recognition (article request)
- Temporal Expression Recognition and Normalisation
- Web Corpus Cleaning (stub)
- Word Segmentation (stub)
- Word Sense Disambiguation (stub)


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This article was printed from mlb.com, originally published .
Read more news at: https://www.mlb.com/news
Jeter cleared to begin baseball activities
Speaking to reporters at the launch party for the 10th Annual Derek Jeter Celebrity Golf Classic at the Seminole Hard Rock Hotel and Casino, Jeter said he has been cleared to start baseball activities but won't do so until later this month. He took the non-weight-bearing cast off his left foot "right after Christmas" and has been walking on an underwater treadmill at the team's Minor League complex.
"I got the OK to start baseball activities, but I don't start 'til next week or the week after anyway," Jeter said. "In terms of baseball activities, I'm right where I need to be."
Those baseball activities will include hitting and fielding, but Yankees general manager Brian Cashman said Saturday that Jeter won't be cleared to run "until the very back end of this." Asked whether he would be ready to start come Opening Day considering those limitations early in Spring Training, Jeter responded, "Why not?
"I've always said [I'll be ready], for a long time. I told you it's fine now."
Jeter also shrugged off any concerns about the Yanks' relatively quiet offseason or their aging lineup.
"Why would we be too old? Too old? Or experienced? Which word do you want to use?" the 38-year-old shortstop said. "I'll go into the spring and see who's there. We're always full of surprises. You never know what's going to happen. We'll see when we get there how the team looks. It's a long season. I'm pretty sure we're going to be competitive and be right where we need to be."
Jeter did acknowledge, however, the importance of putting together a fully healthy lineup. That includes third baseman Alex Rodriguez, who underwent successful arthroscopic surgery on his left hip Wednesday. That procedure will keep Rodriguez out of the lineup until midseason, but Jeter pointed out that injuries will affect every team throughout the course of the season.
"Everyone says who's going to win, and they say what team's good on paper. Injuries are something you can never really account for," Jeter said. "Hopefully his surgery went well and he gets back as soon as possible. I don't know the details or how long it takes, but we just want to make sure he's healthy."
For Jeter, that will mean easing back into baseball activities and, eventually, running. In the meantime, he was enjoying the 10th year of his charity event benefiting the Turn 2 Foundation, which creates and supports programs and activities for children in New York, western Michigan and Tampa.
"I still can't golf," Jeter said. "But this is great. In order for us to have our foundation and be productive with our foundation, you need support from the community, and we've gotten support from here and obviously New York and Michigan, too."
And no, Jeter won't be putting any additional stress on his left ankle Friday, when the celebrity golf tournament takes place.
"I'm just putting," he said, smiling. "My golf game's not good."


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Multimodal Functional Behavioral Assessment Behavior Intervention Plans
This site provides an introduction to functional behavioral assessment online.
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Serving 78620 Texas
|78620 Rodent Control


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Topic: Housing/Mortgage/Real Estate (Read 139771 times)
Power User
Posts: 42558
Re: Housing/Mortgage/Real Estate
Reply #300 on:
December 03, 2012, 12:17:46 PM »
"Always looke behind the story to find the rest of the story."
Which is why we are profoundly grateful to have you as part of our brain trust Pat.
Power User
Posts: 1008
Re: Housing/Mortgage/Real Estate
Reply #301 on:
December 03, 2012, 03:30:29 PM »
I try.................
Have some new info on the Baby Boomer cohort and their Property Investment behavior to post. It does not offer support for a Housing Recovery.
Plus, more data on First Time Home Buyers. I really believe that truly qualified First Time buyers are now a rarity, if we eliminate FHA buyers.
Power User
Posts: 15533
Re: Housing/Mortgage/Real Estate
Reply #302 on:
December 03, 2012, 04:52:54 PM »
It's so nice to have a real expert debunk Wesbury's garbage.
Power User
Posts: 42558
Re: Housing/Mortgage/Real Estate
Reply #303 on:
December 03, 2012, 04:57:38 PM »
Wesbury's record is better than yours or mine GM
Power User
Posts: 15533
Re: Housing/Mortgage/Real Estate
Reply #304 on:
December 03, 2012, 05:01:39 PM »
Really? As the economy continues it's death spiral, Wesbury continues to have predicted at least 8 of the last 0 recoveries, if I recall correctly.
Power User
Posts: 42558
Re: Housing/Mortgage/Real Estate
Reply #305 on:
December 03, 2012, 05:13:04 PM »
And when the DOW was at 6500, you and I predicted 6000. Stating the matter baldly, one might say that you and I missed a 100% move that Wesbury did not.
Power User
Posts: 15533
Re: Housing/Mortgage/Real Estate
Reply #306 on:
December 03, 2012, 05:20:13 PM »
Where was it at when I predicted 6000?
Power User
Posts: 42558
Re: Housing/Mortgage/Real Estate
Reply #307 on:
December 03, 2012, 05:25:30 PM »
I just tried searching for "6,000" but it is giving me some 9 pages of stuff the includes "000", "6" and the like.
Power User
Posts: 1008
October 2012 Foreclosure Starts Down 21.9% from Sep 2012
Reply #308 on:
December 05, 2012, 10:13:04 AM »
Foreclosure Starts are down for both the month, and Year over Year. Expect some to claim how things are improving. However, as the article suggests, there are reasons for the drop.
The National Mortgage Settlement (Feb 2012) and the OCC Consent Decree (Apr 2011) have severely reduced foreclosures over the past 18 months. Those in the business began to see significant drops in May 2011, with the Consent Decree. With the Settlement, it was expected that further drops would occur.
The Settlement requires that when a homeowner misses a payment, the lender must contact the borrower, or attempt to contact the borrower, about foreclosure alternatives. Only after a period of time, usually 14 days to 1 month, can the loan be sent for foreclosure. (The 14 days to 1 month time frame varies due to different state statutes that might require longer periods of time.) If a borrower responds to the lender contact, all foreclosure processing stops until a modification review is done. This can take from a minimum of three months, to literally a year or more, dependent upon whether the borrower provides additional information quickly or appeals any mod denial. (I am looking at one that has been ongoing since Jun 2010 and still no decision.) Only when a final decision is reached, and no more appeals allowed, can a lender foreclosure. So, it is easy to see why foreclosure starts are down, and will continue to be so for about 3-6 months.
What is really important to note in the chart is the repeat starts. Repeat starts are generally about 15% to 20% of the total number. These are modifications that have failed. The borrowers will have another attempt to modify, so these will not go immediately to a true foreclosure. But, almost all will end up in foreclosure.
PS: Foreclosure starts drop 21.9% on mortgage servicing settlement
The National Mortgage Settlement and provisions it outlined for mortgage servicers may have accounted for a steep 21.9% drop in foreclosure starts in October, according to Lender Processing Services' Mortgage Monitor.
Year-over-year, October's foreclosure starts were even lower, down 47.8% from the same month in 2011.
While it may be tempting to attribute the drop in starts to an improving housing market, LPS warns not to jump to conclusions about the decline in foreclosure starts.
The data firm attributes the steep drop to servicing changes outlined by the $25 billion mortgage-servicing settlement that took effect around the month of September. One of those changes was a requirement that servicers give borrowers a 14-day notice in writing before referring a loan to foreclosure. Those letters were first mailed in September and the steep drop in foreclosure starts came soon after, according to LPS.
With that in mind, LPS suggests the quick drop in foreclosure starts may be a temporary trend that is subject to change.
At the same time, prices are going up nationwide, with prices up 3.6% year-over-year in September and on track to gain 5% to 7% this year alone.
Still, the housing market is far from recovery, LPS points out. In fact, by the firm's own estimations, the market is now churning sales at half the pace established during the peak of the housing market.
There have been about 4.1 million sales over the past 12 months, compared to 8.2 million in the fall of 2005, LPS said. Furthermore, about a third of the sales in the past 12 months, approximately 1.3 million, were considered distressed. That is well above the 226,000 sales recorded in 2005. And prices, while improving, are still 23% below peak levels, according to LPS.
But LPS sees its latest mortgage monitor as somewhat of a mixed bag, with prepayment rates showing a possible rise in October originations and mortgage bond spreads performing better.
The percentage of delinquent mortgages in the U.S. hit 7.03% in October. The states with the highest percentage of non-current loans include Florida, Mississippi, New Jersey, Nevada and New York.
Those with the lowest percentage of non-current loans were Montana, Wyoming, South Dakota, Alaska and North Dakota.
Power User
Posts: 1008
Re: Housing/Mortgage/Real Estate
Reply #309 on:
December 05, 2012, 11:48:23 AM »
Here is the chart I was referencing..........
Power User
Posts: 1008
Re: Housing/Mortgage/Real Estate
Reply #310 on:
December 07, 2012, 10:52:29 AM »
For housing to recover, demographics plays a crucial role as I have tried to demonstrate. Here is an article from Business Insider, presenting a chart that tells it all.
CITI'S MATT KING PRESENTS: 'The Most Depressing Slide I've Ever Created'
Citi's Global Head of Credit Strategy, Matt King, has a knack for putting together useful illustrations.
Here, he examines one of the implications of one of the most powerful forces in all of economics: demographics.
King explained his charts to us like this:
It's what I like to call "the most depressing slide I've ever created." In almost every country you look at, the peak in real estate prices has coincided give or take literally a couple of years with the peak in the inverse dependency ratio (the proportion of population of working age relative to old and young).
In the past, we all levered up, bought a big house, enjoyed capital gains tax-free, lived in the thing, and then, when the kids grew up and left home, we sold it to someone in our children's generation. Unfortunately, that doesn't work so well when there start to be more pensioners than workers.
The slide:
If this chart is anywhere accurate, then it is simply more evidence of what is to come.
Power User
Posts: 1008
Re: Housing/Mortgage/Real Estate
Reply #311 on:
December 07, 2012, 11:04:15 AM »
File this in the "I know there is a pony in there" when a child sees a pile of horsesh*t file.
First-time homebuyer demographic finds more employment
First-time homebuyers have played only a small part in the nation's housing recovery, with investors and cash buyers doing a lot of the buying in key real estate markets.
But Trulia's chief economist Jed Kolko is more positive about this age group. He sees them turning a corner on the jobs front, which is the first step towards growing homeownership numbers.
He notes the month of November brought forth more solid numbers on the jobs front, especially among the 25-to-34 year old age demographic. With this demographic generally in the prime age group for first-time home buying, Kolko is decidedly more optimistic about what this age group may do for the housing market in the coming years.
"The good news: among 25-34 year-olds, the prime age group for housing demand, 75.2% were employed in November, up from 75.1% in October and from 73.9% in November 2011," Kolko wrote.
The unemployment rate for this age group sat at 7.9% in November, which is high, but down from 9.2% a year earlier.
The student debt situation and employment numbers have weighed heavily on this group, keeping them from homeownership. But Kolko's assessment on Friday is more hopeful.
Will first-time homebuyers make a come back in the next few years? That's the looming question as we steer timidly into 2013.
My comments:
What type of jobs are they getting? How are they going to purchase a home when all their income will go to meeting living expenses and paying off student debt? Where is the Down Payment going to come from?
Oh.......FHA............yeah, right...........
Power User
Posts: 42558
More litigation coming
Reply #312 on:
December 10, 2012, 08:30:52 AM »
Power User
Posts: 1008
Re: Housing/Mortgage/Real Estate
Reply #313 on:
December 10, 2012, 11:36:34 AM »
These type of actions are becoming more prevalent as time goes by.
I was contacted last month by a law firm representing investors going after the lender. The law firm is preparing a lawsuit, but has problems in that they do not have enough information regarding the actual loans. They only have Trust information about loan performance and basic loan level information. They believe that at this stage, they need more than what they have, but until the lawsuit survives the "dismissal stage", they cannot get access to the loan files.
Most analytic companies can do some work from the available information, primarily reporting the basic numbers and percentages of the loans in default. But that is generally all that they can do at this stage.
I can go much further, with my loan default analysis, taking the available information and using a predictive model that shows why each loan defaulted among other issues. This would allow for discovery which would end up with the actual loan files being provided for analysis.
If the firm retains me, I can finally put everything I know together in one "package", and really become the "key" to these type suits going forward.
Power User
Posts: 42558
POTB: CA home sales up 15%
Reply #314 on:
December 15, 2012, 08:47:09 AM »
By E. Scott Reckard
December 13, 2012, 2:28 p.m.
The California housing recovery boomed forward in November, with home prices reaching levels high enough to trigger questions about whether speculators are overdoing a spending spree.
The median price of all houses and condos sold in the Golden State was $291,000 last month, up 2.1% from October and 19.3% from $244,000 in November 2011, the DataQuick real-estate information firm said Thursday. The median is the point at which half the sales are for more and half for less.
The number of homes sold rose nearly 15%, to 37,481, according to the count by San Diego-based DataQuick. Sales of homes that had been foreclosed on made up 16.6% of the sales -- about half the percentage in November 2011 and the lowest level of foreclosure sales since October 2007.
Homes purchased for all cash remained at extremely high levels, mostly because of investors snapping up homes after the huge price declines of the housing bust. DataQuick analyst Andrew LePage said 32.5% of all November home sales in California were for cash, more than twice the long-term average.
The run-up in prices caught the attention of Dean Baker, co-director of the Center for Economic Policy and Research in Washington, who regarded the trend as serious grounds for concern that these markets are being driven by speculation.
Quiz: The year in business, 2012
While some speculators buying up homes at a bottom can be positive, the sort of price rises that you are seeing there may be excessive, Baker said in an email to The Times.
He noted that a big factor in the rising median price is increased sales of high-end homes, which skew the results to the upside. Indexes that track specific home resales, such as Case-Shiller, show far lower price appreciation.
Still, Baker said he thought the California market could experience serious gyrations because of the heavy purchases by investors hoping to sooner or later flip the homes at a profit.
The speculators likely have pushed prices above where the market would put them in some markets, he said.
Ed Leamer, director of the UCLA Anderson Forecast of the economy, had a more sanguine take on the trend than Baker.
I am inclined to think that what he calls speculators know more about the market than he does, Leamer said. Its a good thing for professionals to be putting a floor under home prices.
Power User
Posts: 9484
Re: Housing/Mortgage/Real Estate
Reply #315 on:
December 15, 2012, 01:21:07 PM »
LA Times: "The California housing recovery boomed forward in November, with home prices reaching levels high enough to trigger questions about whether speculators are overdoing a spending spree."
Good news, maybe... Deeper in the story: "a big factor in the rising median price is increased sales of high-end homes, which skew the results to the upside. Indexes that track specific home resales show far lower price appreciation."
- Where have we heard that. Median over a short duration tells you which homes are selling, not price appreciation. No comparison to the peak, only to the trough.
"Homes purchased for all cash remained at extremely high levels..."
- Does this mean interest rates are too high, lol? Buying houses, especially at the high end, is a way to keep cash idle and unproductive in hard assets. It is the opposite of building or expanding a business and hire workers. High end cash sales, by nature, are unsustainable - all speculators have finite purchasing power. And sold off other assets (forestalling capital gains?) to buy these.
Its a good thing for professionals to be putting a floor under home prices.
- Yes, get the correction stopped before working people raising families can afford them.
I am surprised calif doesn't pass a law to stop this sort of thing.
Power User
Posts: 42558
Re: Housing/Mortgage/Real Estate
Reply #316 on:
December 15, 2012, 02:52:04 PM »
I confess to being surprised that Pravda on the Beach (a.ka. The Left Angeles Times) actually noted the ambiguities underlying the headlined numbers.
Power User
Posts: 9484
Re: Housing/Mortgage/Real Estate
Reply #317 on:
December 15, 2012, 03:11:03 PM »
Quote from: Crafty_Dog on December 15, 2012, 02:52:04 PM
I confess to being surprised that Pravda on the Beach (a.ka. The Left Angeles Times) actually noted the ambiguities underlying the headlined numbers.
Yes, pretty good journalism. If this were a more partisan issue, I would ask why the headline is one thing and the important qualifiers are buried deeper.
On another thread, still looking for their coverage of that other story...
Power User
Posts: 42558
Re: Housing/Mortgage/Real Estate
Reply #318 on:
December 15, 2012, 03:17:30 PM »
I would add that the print edition article (i.e. longer, fuller) noted additional ambiguities.
Power User
Posts: 9484
Re: Housing: Latest is the Reverse Mortgage Crisis
Reply #319 on:
December 18, 2012, 09:57:02 AM »
What is a federal government agency chartered to help people get into home ownership doing helping people get out of their homes? And then bungling it!
They don't know how far they misunderestimated, by a factor of 10, next we will give them healthcare??
Housing and Urban Development Secretary told the Senate that the Federal Housing
Administration's once-modest reverse-mortgage program is the latest drain on taxpayers thanks to gross mismanagement.
FHA will lose $2.8 billion this fiscal year on reverse mortgages, and in the worst case $28.3 billion, with the losses stretching through 2019. The feds have no idea how big the pool of red ink might be.
At least FHA guarantees for home purchases foster Congress's professed goal of homeownershipthough we've seen in the housing bust how that misallocates capital. But guarantees for reverse mortgages go to people who are already homeowners who want to cash out of a real-estate asset. That's fine if they want to do it at their own risk. FHA's guarantees are essentially a subsidy for older Americans to spend down their savings. FHA crowded out competitors and now accounts for 90% of outstanding reverse mortgages.
(more at the link)
Power User
Posts: 1008
Reverse mortgages
Reply #320 on:
December 19, 2012, 10:12:28 AM »
The Reverse Mortgage is a unique product, to say the least. Homeowners 65 or over are allowed to take equity out of the home monthly, based upon the equity in the home.
Generally, to get an RM, one had to have sufficient equity in the home. No more than a 65% Loan to Value was allowed, if I remember correctly. Payments were based upon the equity, and upon the homeowner living to age 95. It was thought that this would protect the lender in the event of default.
The "suspect" loans were the loans taken out from 2004 through 2007, while home values were still inflated. When values fell, the Loan to Values were now 100%, but the homeowner was still able to take the money monthly. So these homes continue to go even more and more Negative Equity, each and every month that the homeowner still lives.
FHA and other reverse lenders cannot determine losses because they have no idea how long the homeowners are going to live. Some who die "quickly", the losses will be small. Those who die slowly, the losses will be quite severe.
To give you an example of how bad it is, I know one person who took out an RM at the peak. His home was valued at $550k, and he was 75 at the time. The loan was based upon $357k, at 65% loan to value. His home is now worth about $170k, a drop of $380k.
If this guy lives to 95, the losses are going to be incredible on this loan.
Last Edit: December 19, 2012, 10:38:56 AM by Crafty_Dog
Power User
Posts: 9484
Re: Housing/Mortgage/Real Estate
Reply #321 on:
December 19, 2012, 11:46:58 AM »
PP, interesting. Like life insurance, it is a form of legalized gambling. Only the federal government could turn that into a big money loser.
"FHA and other reverse lenders cannot determine losses because they have no idea how long the homeowners are going to live. Some who die "quickly", the losses will be small. Those who die slowly, the losses will be quite severe."
I try to avoid products that give someone a motive to speed up my demise...
Power User
Posts: 1008
Re: Housing/Mortgage/Real Estate
Reply #322 on:
December 19, 2012, 04:58:57 PM »
Speed up the demise......................
Like wives and step sons? LOL? That is me.
Guess I should say something about the latest Housing Starts numbers.
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Posts: 42558
Wesbury: Existing home sales up 5.9% in Nov.
Reply #323 on:
December 20, 2012, 12:54:26 PM »
To provoke you further Pat here is today's Wesbury
Data Watch
Existing Home Sales Rose 5.9% in November to an Annual Rate of 5.04 Million Units To view this article, Click Here
Brian S. Wesbury - Chief Economist
Bob Stein, CFA - Senior Economist
Date: 12/20/2012
Existing home sales rose 5.9% in November to an annual rate of 5.04 million units, coming in higher than the consensus expected 4.90 million. Sales are up 14.5% versus a year ago.
Sales in November were up in all major regions. The increase in sales was due to a faster sales pace for both single-family homes and condo/coops.
The median price of an existing home rose to $180,600 in November (not seasonally adjusted), and is up 10.1% versus a year ago. Average prices are up 10.3% versus last year.
The months supply of existing homes (how long it would take to sell the entire inventory at the current sales rate) fell to 4.8 in November from 5.3 in October. The decline in the months supply was due to a faster selling pace and lower inventories for both single-family homes and condo/coops.
Implications: There should be no doubt the housing market is in recovery. Existing home sales rose 5.9% in November, reaching the highest sales pace since November 2009, which was artificially boosted by the $8,000 home credit. Taking that one month out, this is the highest rate of sales since July 2007. Sales are up 14.5% from a year ago. Meanwhile, the inventory of existing homes fell to 2.03 million in November from 2.11 million in October, the lowest level since December 2001. Inventories are down 22.5% from a year ago and the months supply of homes (how long it would take to sell the entire inventory at the current selling rate) fell to 4.8, the lowest level since October 2005. Just a year ago, the months supply was 7.1. In the year ahead, higher prices and sales volumes should lure more potential sellers into the market. The 10.1% gain in median prices versus a year ago can be attributed to a couple of factors. First, a lack of inventory while demand is picking up. Second, fewer distressed sales and more sales of larger homes. In general, it still remains tougher than normal to buy a home. Despite record low mortgage rates, home buyers face very tight credit conditions. Tight credit conditions would also explain why all-cash transactions accounted for 30 percent of purchases in November versus a traditional share of about 10 percent. Those with cash are able to take advantage of home prices that are extremely low relative to fundamentals (such as rents and replacement costs); for them, its a great time to buy. With credit conditions remaining tight, we dont expect a huge increase in home sales anytime soon, but the housing market is definitely on the mend. In other housing news this morning, the FHFA index, which measures prices for homes financed by conforming loans, increased 0.5% in October and is up 5.6% from a year ago.
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Posts: 1008
Re: Housing/Mortgage/Real Estate
Reply #324 on:
December 24, 2012, 10:24:36 AM »
The has not been as much publicity on Nov Single Family Housing Starts, and here is why.
Non Seasonally Adjusted Housing Starts were DOWN from Oct. They were:
Oct 2012 - 50,300
Nov 2012 - 40,000
A drop of 12,600 units
The Northeast fell 400
The South fell 3,500
The Midwest fell 3,200
The West fell 3,100
All total, Single Family is up 97,300 for the year to date. Total to date is 496,900.
I expect that Dec will show about 38,000 Single Family Starts.
The drop is exactly as expected. The winter always sees drops in activity. Dec should be even worse.
To put it in perspective, (Sorry that dates did not show up, but it begins in 1960
The chart shows total housing start data since 1960. When you consider that population of the US at various times, you can really understand how bad housing is.
Power User
Posts: 9484
Re: Housing/Mortgage/Real Estate
Reply #325 on:
December 24, 2012, 12:26:31 PM »
PP, Your chart from 1960 shows what I have been asking or saying of Wesbury. The tail end of that chart showing very slight improvements from the near zero point of the collapse is all we hear, statements like 'up from a year ago' or 'highest level in 3 years', without showing the historical context of how bad things still are. Readers here are getting a better picture of it.
With all the health and energy efficiency improvements available, wouldn't everyone want a new home today if economic conditions allowed it?
Power User
Posts: 1008
Re: Housing/Mortgage/Real Estate
Reply #326 on:
December 27, 2012, 10:43:48 AM »
You are absolutely correct about people wanting a new home over re-sales. And this is especially true with any move up buyer. Why purchase a re-sale when you can get/order a new construction home with all the extras that you desire, and you get to landscape a yard as you desire. Additionally, you do not have the problems of repairs needed in re-sales.
The first time buyers of new construction will be the ones to really be concerned with. A first time buyer has no true knowledge of the costs of home ownership. As they buy new construction homes, after closing, they must put in back yards, furnish and model the rooms, generally buy additional appliances, and who knows what else. The result is that most of this is done by use of more credit. Quickly, the homeowner becomes over extended, and runs into financial stress. (For first time buyers, re-sales are much more favorable to maintaining a better financial situation, since the work has already been done previously.)
One thing we saw quite often, actually commonplace, were new construction homes being foreclosed upon without having the normal needed upgrades, especially yards, drapery, etc. The first time buyers could not afford the upgrades, and never did them, unless the home value went up and they refinanced, pulling cash out to pay off debt, and do the needed work. Of course, this only increased their debt load. (Hmmm, one more factor I need to include in my Default Risk Analysis.)
One final thing............it is VERY common to see after buying a home, for the new homeowner to go out and buy a new car. This is because they were advised to hold off purchasing a car until after the home closed, otherwise they would not qualify due to debt ratios. But the second the loan closed, they were out buying a car.
Power User
Posts: 9484
Re: Housing/Mortgage/Real Estate
Reply #327 on:
December 27, 2012, 12:36:37 PM »
Another great PP insight:
"it is VERY common to see after buying a home, for the new homeowner to go out and buy a new car. This is because they were advised to hold off purchasing a car until after the home closed, otherwise they would not qualify due to debt ratios. But the second the loan closed, they were out buying a car."
Not to mention everything that goes in a new house, furniture, drapes, major appliances...
Power User
Posts: 42558
Wesbury: Single Family Homes up 4.4% in November
Reply #328 on:
December 27, 2012, 02:37:17 PM »
New Single-Family Home Sales Rose 4.4% in November, to a 377,000 Annual Rate To view this article, Click Here
Brian S. Wesbury - Chief Economist
Bob Stein, CFA - Senior Economist
Date: 12/27/2012
New single-family home sales rose 4.4% in November, to a 377,000 annual rate, very close to the consensus expected pace of 380,000. Sales are up 15.3% from a year ago.
Sales were up in the South and Northeast, but down in the West and Midwest.
The months supply of new homes (how long it would take to sell the homes in inventory) fell to 4.7. The decline was all due to a faster selling pace. Inventories of new homes rose 2,000 units.
The median price of new homes sold was $246,200 in November, up 14.9% from a year ago. The average price of new homes sold was $299,700, up 19.9% versus last year.
Implications: New home sales, which typically are the last piece of the housing puzzle to recover, rose 4.4% in November and are up 15.3% from a year ago. Meanwhile, as the lower chart to the right shows, although overall inventories remain close to record lows, inventories have risen for three consecutive months as builders are getting more confident in the recovery. Despite the recent upturn in inventories, the faster pace of sales drove the months supply of new homes down to 4.7, tying the lowest level since 2005. This is well below the average of 5.7 over the past 20 years and not much above the 4.0 months that prevailed in 1998-2004, during the housing boom. The median price of a new home is up 14.9% from a year ago, consistent with the positive year over year increases we have been seeing from other home price indices. In other news this morning, new claims for unemployment insurance declined 12,000 last week to 350,000. However, due to the extra federal holiday on December 24, many states estimated claims, making this weeks data less reliable than usual. Continuing claims for regular state benefits declined 32,000 to 3.21 million. Claims data and other figures suggest payrolls will be up about 155,000 for December while the jobless rate stays at 7.7%. (These forecasts may change based on next weeks ADP, Intuit, and claims reports.) In other recent housing news, the Case-Shiller index, which measures prices in the 20 largest metro areas around the country, increased 0.7% in October (seasonally-adjusted) and is up 4.3% from a year ago. Since the bottom in January, prices are up at a 7.3% annual rate. Recent price gains have been led by Atlanta, Las Vegas, San Diego, and Phoenix. In the factory sector, the Richmond Fed index, which measures manufacturing sentiment in the mid-Atlantic, came in at +5 in December versus +9 in November.
Power User
Posts: 1008
Re: Housing/Mortgage/Real Estate
Reply #329 on:
December 27, 2012, 05:41:38 PM »
Yeah, yeah, yeah..........Wesbury again spouting off.
Hey Wesbury! Why don't you admit that Sales are on an Annual Basis rate of $363k for the year. This would be an increase over last year of 18%......Wow!!!!!
The Fed started keeping stats on New Home Sales in 1963, when the population of the US was in the 160's million.
2012 will be the 3rd Worst Year since the stats began............only 2011 and 2010 were worse.
I don't think I want him for an advisor.
BTW, had a long talk this afternoon with a guy who has a company that does Portfolio Risk Analysis for the big banks. His partner used to be head of Risk Analysis in Bank of Canada, has done the same for the GSE's, and other US banks. His perspective is as mine.................everything sucks until we get Securitization of loans back on track, and lenders and investors know what they are buying.
Interesting possibilities for me with this call......................
Power User
Posts: 42558
Re: Housing/Mortgage/Real Estate
Reply #330 on:
December 27, 2012, 05:49:17 PM »
Just setting up the targets for you Pat
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Re: Housing/Mortgage/Real Estate
Reply #331 on:
December 27, 2012, 11:17:37 PM »
Yeah, I know........and such easy targets.
BTW, for all.............
Jan 21, the Consumer Finance Protection Bureau is coming out with the new Residential Lending Guidelines for GSE loans. The guidelines will set the "standard" for new lending with what the GSE's will buy. It will also detail future restrictions on lending and lenders financial "duties" to borrowers.
The CFPB has been considering a few major changes that have been hotly contested. They are
1. Debt Ratios of 31% for housing and 36% total for GSE loans
2. Loan to Value of 80% or less
3. No simultaneous 2nd mortgage piggy backs
4. No FICO scores used. Only recent history to include no 60 day mortgage lates in the last two years.
5. Loans not sold to the GSE's requiring the lender to keep a 5% minimum partial interest in the loan.
6. A "Safe Harbor" provision whereby loans meeting the GSE requirements would not allow the borrower to have legal recourse against the GSE's except for TILA/RESPA violations.
7. A method for reducing and then eliminating the GSE's.
The American Securitization Forum and other entities have been trying to work with the CFPB and other groups to develop the new guidelines. These different groups have felt that the CFPB has been acting in good faith developing the new guidelines. I have been trying to tell the ASF that they are being set up.
The new regulations will do the following.
1. It will reinforce the GSE's position by making them the lender of first resort. Lenders will go to them for the Safe Harbor provision. The GSE's will cream the best of the loans, those having little risk.
2. It will not restart securitization. Enough lenders will not exist with the ability to absorb the 5% interest retention. Mortgage bankers will cease to exist. Only banks will be able to lend for securitization, and they will be reluctant to accept the 5% risk retention.
3. Non GSE loans will not have the Safe Harbor provision. All such loans will have the lender having a Fiduciary Duty to the borrower for ability to repay the loan. (I have already developed the analysis to show that a borrower could or could not afford the loan. With this, I could either show the Duty has been met, or I could provide the homeowner with the ability to file a legitimate lawsuit against the lender for a Duty violation. I am just waiting for things to happen.)
This whole thing is simply another power grab by the GSE's to maintain their position in the marketplace without fear of risk. They get the best loans, and with a provision that they cannot be sued when things go bad.
When the new regs come out, I will be doing a complete analysis for a couple of websites. I will also post here.
The idiots
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Posts: 42558
Re: Housing/Mortgage/Real Estate
Reply #332 on:
December 28, 2012, 01:42:58 AM »
Power User
Posts: 1008
RMBS Loans
Reply #333 on:
December 28, 2012, 04:00:21 PM »
The government and CFPB is seriously considering taking Privately Securitized Mortgages and allowing those over 125% LTV to refinance through HARP into the GSE's. For 5 years, the government would pay the difference between the new interest rate, currently about 3.25%, and what the previous rate was on each loan, usually above 6%. After 5 years, this guarantee ends and the investor gets the new rate.
There are some things about this article that are "puzzling".
1. If the GSE's are refinancing the loans, then why is the RMBS investors going to continue receiving both the new interest rate, and also the guarantee on the original rate? If it is a refinance, then the RMBS no longer have the loans on their books. The loans have been retired.
2. Why will the RMBS continue to receive the new interest rate after 5 years? Again, the loan was retired.
3. If the RMBS is keeping the new loan, why are the GSE's guaranteeing the loans? Why is the tax payer assuming all the risk on privately held mortgages?
It sounds like the government is almost turning the loans into modifications and not refinances, and guaranteeing the loans.
Again, I believe that Dodd Frank, the CFPB and the government is doing nothing more than trying to eliminate the Private Housing Market.
Government Refi Idea Gets Chilly Reception
The Treasury Department is considering a plan to expand the government's refinancing program to help borrowers whose loans aren't backed by the government, but the idea is getting a chilly reception from a mortgage investor group.
The Making Homes Affordable Refinance Program, initiated in 2009, has helped more than a million borrowers stay in their homes by modifying their loans, but it only applies to borrowers who have government-backed loans through Fannie Mae and Freddie Mac. The Obama administration would like to expand the program by transferring loans controlled by private investors to those two government-sponsored mortgage firms..
Under the proposal eligible borrowers must be severely underwater, with a loan to value ratio of 125 percent or higher and must be current with their payment. These borrowers would be given current market interest rates, replacing the 6 percent rates they've been unable to refinance out of (because they don't have any equity in the home) and giving them a lower overall monthly payment. The Treasury Department, probably with leftover TARP funds, would pay investors the difference between the old interest rate and the new for five years.
But the American Securitization Forum, which represents investors in residential mortgage backed securities, is balking at the idea, arguing that while underwater borrowers are at greater risk for default it's not clear reducing their monthly payment will change that. It figures $120 billion worth of loan principal would qualify. Taxpayers would kick in $11.5 billion to make up for the reduced interest payments for the first five years and investors would subsequently lose $9.7 billion for the following years.
"The key question from the policy side for both investors and taxpayers is would providing this reduction in monthly interest payments provide any benefit either to the investors or to the public at large by reducing foreclosures? Our answer is we don't think it will appreciably reduce people walking away from their homes," said Tom Deutsch, executive director of ASF.
Investors have been unwilling to reduce interest amountswithout reducing the risk of default. "If they are getting a 6percent interest now, why would they want to turn that into a 3.5 percentif the borrower would still pay the 6%. It would seem wholly irrational toreduce their interest rate if it's not likely to prevent a walk-away borroweror a foreclosure," said Deutsch.
The latest proposal, first reported by the Wall StreetJournal, emerged as part of the "fiscal cliff" negotiations.
Home prices appear to be making a steady recovery, with the latest S&P Case Shiller report showing a 4.3% annual price increase in October on the 20-city composite. A survey of economists by Zillow expects home prices to keep moving up, with expectations for prices to rise 3.1 percent in 2013. But prices are still 30 percent off their June 2006 peak for the 20-city composite. And it's worse in areas hard-hit by the bust. While Phoenix has been a roll for the last year, with prices up 22 percent, prices are still 47 percent below the peak.
Even with higher prices nearly 11 million borrowers still owe more on their mortgage than their home is worth, according to real estate researcher CoreLogic. Many believe it's those homeowners and those with near-negative equity, borrowers who have some equity, but not enough to afford a move, that will keep the housing market from returning to something close to a normal market.
Power User
Posts: 15533
Re: Housing/Mortgage/Real Estate
Reply #334 on:
December 28, 2012, 04:45:07 PM »
Is this an attempt at a stealth bailout of blue state disasters, like California?
Power User
Posts: 1008
Re: Housing/Mortgage/Real Estate
Reply #335 on:
December 28, 2012, 05:21:13 PM »
That is a part of the reasoning, but there is more to it than that. Imagine reducing people's house payment from 6% down to 3.25%. Imagine the increase in disposable income in a homeowner's pocket. That amounts to billions freed up.
Also, another reason exists. LTV's greater than 125% have a higher likelihood of default. So the new action would be expected to reduce defaults to some degree. But, this assumes that people are interested in keeping their homes when they are severely underwater, and that a payment reduction would make a big difference in default likelihood.
For large numbers of homeowners who are in such negative equity positions, this may not the case. Many are now recognizing that they will never be above water in their lifetimes. At that point, why not go into default, walk away, and then re-buy a better home in 3-4 years, at a much better price than what they were paying on the old home.
The people who are receiving the HARP offers, whether GSE or Private currently, are making their payments. Liquidity does not appear to be a problem for them. Why would the Feds offer them a break, except to either free up additional disposable income, or stop the potential strategic defaults?
Even more disconcerting for me is that the GSE's will guarantee these loans. It is further reason to believe that the GSE's are not going away. And when the new Underwriting Guidelines come out next month, it will be a clear indication of what we can really expect with the GSE's.
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Posts: 15533
Re: Housing/Mortgage/Real Estate
Reply #336 on:
December 28, 2012, 05:27:35 PM »
Good thing we can magically keep making dollars, otherwise we'd be in big trouble!
Power User
Posts: 9484
Re: Housing/Mortgage/Real Estate
Reply #337 on:
December 28, 2012, 06:14:08 PM »
PP: "2012 will be the 3rd Worst Year since the stats began............only 2011 and 2010 were worse. "
The omission of this elephant in the room is what is wrong with nearly all current reporting on housing.
"expectations for prices to rise 3.1 percent in 2013"
"Sales were up in the South and Northeast"
"Sales are up 15.3% from a year ago"
"median price of new homes sold was $246,200 in November, up 14.9% from a year ago"
Power User
Posts: 15533
Re: Housing/Mortgage/Real Estate
Reply #338 on:
December 28, 2012, 06:26:44 PM »
You couldn't be suggesting our revered professional journalists might be distorting the facts, could you?
Power User
Posts: 42558
Re: Housing/Mortgage/Real Estate
Reply #339 on:
December 28, 2012, 06:30:38 PM »
"Why is the tax payer assuming all the risk on privately held mortgages? It sounds like the government is almost turning the loans into modifications and not refinances, and guaranteeing the loans. Again, I believe that Dodd Frank, the CFPB and the government is doing nothing more than trying to eliminate the Private Housing Market."
Amidst the witty repartee, I'd like to underline the preceding. As our Vice President would say "This is a BFD."
Power User
Posts: 9484
Re: Housing/Mortgage/Real Estate
Reply #340 on:
December 28, 2012, 07:08:45 PM »
Quote from: G M on December 28, 2012, 06:26:44 PM
You couldn't be suggesting our revered professional journalists might be distorting the facts, could you?
Worse yet, they are reporting accurately without informing you whatsoever. Giving the right answer to the wrong question.
Power User
Posts: 15533
Re: Housing/Mortgage/Real Estate
Reply #341 on:
December 28, 2012, 07:12:51 PM »
Quote from: Crafty_Dog on December 28, 2012, 06:30:38 PM
"Why is the tax payer assuming all the risk on privately held mortgages? It sounds like the government is almost turning the loans into modifications and not refinances, and guaranteeing the loans. Again, I believe that Dodd Frank, the CFPB and the government is doing nothing more than trying to eliminate the Private Housing Market."
Amidst the witty repartee, I'd like to underline the preceding. As our Vice President would say "This is a BFD."
Like everything this administration does, it's only temporary until the crash.
Power User
Posts: 9484
Re: Housing/Mortgage/Real Estate
Reply #342 on:
December 28, 2012, 07:46:04 PM »
"Why is the tax payer assuming all the risk on privately held mortgages?... doing nothing more than trying to eliminate the Private Housing Market."
Yes, a Big Deal. Wrong on constitutional powers and limits, and as GM says, leading to a crash bigger than we have see.
If the people only knew the government was plotting a complete takeover of housing and healthcare and energy and transportation and agriculture and education, the vote would be... roughly 51-48 in favor.
Where in the constitution did the federal government get the power to do this? The Commerce Clause?? A house moves across state lines because money does?
Instead of asking what are the limits of this federal power, the supporters of big government ask the question backwards: Since we have all this power, control over mortgages in this case, how can we grow it further and use it to 'benefit' more people?
There is no S (savings) in S&L anymore. The top savings account pays 1/10th of one percent interest. Try illustrating the magical power of compound interest to your kid using that multiplier. There aren't people out there with combined, insured savings of $100,000 backing up every loan of $100,000. There is nothing there. Money is just printed, in bizarre amounts - billions and trillions, no exaggeration. There are technocrats making social engineering decisions using an increasingly diluted currency backed only with fiction and faith in technocrats and their ability to extend the fiction for another day. There isn't a private market for mortgages and there isn't a market interest rate anymore. It is all subsidized and manipulated.
"It's only temporary until the crash." And when it all fails, we blame the "free" market and intervene all the more.
Power User
Posts: 9484
Re: Housing/Mortgage/Real Estate
Reply #343 on:
December 28, 2012, 08:08:18 PM »
A chart from Scott Grannis' website yesterday tells the same story in context:
Your real estate investment, if you were able to hold it, had no appreciation over the last 13 years. Yet for every million you had invested at the start of the year 2000, you owe up to $162,000 (capital gains tax on inflationary gain) if you sell next year (New federal rate+state tax +surcharge) - on NO real gain or income! Worse than that by more than double if held by a taxable C-corp.
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Posts: 15533
Re: Housing/Mortgage/Real Estate
Reply #344 on:
December 28, 2012, 08:11:39 PM »
That chart is amazing.
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Posts: 1008
Re: Housing/Mortgage/Real Estate
Reply #345 on:
December 28, 2012, 09:24:03 PM »
Yet I have gone blue in the face arguing with Scott. He believes that the housing market is recovering and no matter what I try to show otherwise, he does not accept it.
Of course, he does not believe that the Fed is creating money either, or is deliberately lowering interest rates. For him, it is all supply and demand. That is much to general of an argument for me. I want to know why there is no demand.
Power User
Posts: 1008
Re: House Flipping
Reply #346 on:
January 03, 2013, 12:30:50 PM »
Here is one thing to consider:
We know that house flipping has returned with a vengence. Even FHA allows for flipping to occur. No more 3 or 6 month limits.
One has to ask how many house flipping sales are occurring. Doesn't this artificially inflate home sales?
Power User
Posts: 1008
New Mortgage Rules - Ability to Pay
Reply #347 on:
January 11, 2013, 10:07:16 AM »
Yesterday, the
Bank Finance Protection Bureau came out with its final rules on Ability to Pay.
The BFPB was set up to protect the Homeowner. Among its requirements would be the lender having a Fiduciary Duty to a borrower to determine the Ability to Repay a loan. For enforcement, the homeowner would have a Private Right of Action to sue the lender. Yesterday, we found out where that would go.
The new Debt Ratio Guidelines establishes a 43% maximum Debt Ratio for the Qualified Residential Mortgage. The income and other factors of the loan would have to be properly verified. If so, then by having a 43% or less Debt to Income, the lender has a Safe Harbor, whereby the homeowner has no Private Right of Action.
The 43% DTI is greater than what the GSE's and FHA are doing right now. The GSE's are at 36% and the FHA is at 41%. So in effect, the BFPB has given permission to the GSE's to increase their Debt Ratio allowances, to 43%. But it does not stop there.
The BFPB also stated that any loan, even above 43%, if bought by the GSE's would qualify for the Safe Harbor. So, the GSE's and FHA can go up to whatever Debt Ratio that they desire, and originating lenders would be protected from the Ability to Pay legal issues.
Note that at 41%, the FHA has a 16% delinquency rate at this time. Where is the sense of 43%?
Let's take a loan of $175k. Borrower is married with 2 kids in grade school. Here is reality
Loan Amount of $175,000
Interest Rate 3.25
Monthly Payment $761.61
Taxes/Ins $100.00
Total Payment $861.61
Total Income to Qualify $2000 per month
Take home per month - $1605
Disposable Income after Debt Service $734
Pray tell how a family of 4 will live off $734 per month, especially since they have coming out of this
Household Goods
Other expenses
The US Census for 2010 found that for a family of 2.5 people, living expenses average $1905 per month. How will these people make it at 43%
Now, what are the implications for lending in the future?
1. The GSE's and FHA will buy all Qualified Loans since the lenders will have the Safe Harbor provision on Ability to Pay.
2. Politicians will put pressure on the GSE's and FHA to up Debt Ratios because the housing market will not be growing enough.
3. Loan not meeting GSE or Safe Harbor requirements, including Stated Income, Interest Only, higher Debt Ratios, will only have either Private Securitization or Hard Money lenders for financing.
4. Private Securitization will only accept a few loans, the best, since there is no Safe Harbor.
5. Hard Money will only take loans with 65% or less Loan to Value.
The bottom line is that contrary to what is being said regarding the end of the GSE's in another 7 years, it will not happen. The GSE's will only cement their control of the Mortgage Market, maintaining their control of market share. Politicians will respond to the problem by allowing the GSE's to remain in business.
FHA will continue to grow, especially since they will continue to offer 3.5% equity loans. Never mind that these loans will fail in increasing numbers.
Private lending will continue to suffer.
Nothing changes.............
Power User
Posts: 42558
Re: Housing/Mortgage/Real Estate
Reply #348 on:
January 11, 2013, 10:32:58 AM »
This does not promise to end well , , ,
Power User
Posts: 9484
Re: Housing/Mortgage/Real Estate
Reply #349 on:
January 11, 2013, 11:37:19 AM »
PP, great post as usual. Let's make borrowers less able to handle their debt instead of letting prices fall to real affordability.
One sidenote: In your example property taxes at <100/mo. would be a dream come true (or put you in tax foreclosure) in some places. Your 'TI' would approach 3 times that in Minneapolis.
Makes you wonder why we set national standards for local phenomenon.
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text:
Yeah baby... Gonna be landing in Vegas Thursday morning... Staying for 11 days for a bachelor party and then some QT with my girl... and a shitload of gambling... Hopefully I come back with a whole lot of stories of taking down the house... LOL... Aloha
Originally Posted by conrad63: This happened in the late 60's, there wasn't much sports action back then, MNF didn't start until 1970, so basically there were 2 NFL games on Sunday ans 2 college games on Saturday. on TV. The racetrack was a major part of my gambling action. I worked as a clerk on Wall St. grossing $110.00 a week. I called in sick on a Thursday and went to Belmont, had a good day so I took the bus to the night card at Yonkers Race track. Won about $400. for the day, more than I ever won before. Got to keep it going so I call in sick on Friday and off to Belmont another good day won $200, so I'm up $600. for 2 days, another bus trip to Yonkers, I can't lose. There is a stakes race with a very heavy favorite from France, I bet $600.00 on the favorite, if it wins it will pay $2.20, The favorite, my bet, gets nosed at wire, I lose $600.00 almost 6 weeks pay. THE SAD PART IS IT PAYS $2.20 FOR SECOND THE SAME AMOUNT IT WOULD HAVE PAID IF IT WON. Wept about that for a week.
You didnt really bet $600 to win $2.20 on a horse race did you?
Originally Posted by Trainer1: It paid $2.20 on a $1 bet not to win $2.20
You didnt really bet $600 to win $2.20 on a horse race did you? Early 1970's 19 years old, on a winning streak that couldn't lose and yes I did. Do you know how many times over the years I thought about how STUPID that was? And like I said the horse paid as much for second as it would have for first. I stayed away from Yonkers raceway for a long time. Anyway like is good, we learn from our mistakes BOL
This trip was crazy!!! Had about 20 something people fly up with us for the bachelor and bachelorette party...
So I flew into Vegas on a Thursday for 11 days... First 3 days was for the bachelor party.... and then my girl flew up on Sunday and I spent the rest of the trip with her...
I had 2700 for the bachelor party weekend and another 4500 for when my girl came up...
First 2 days I lost a little and by Saturday, I had a little over 2000... Went to Sapphire and Spearmint Rhino for the bachelor party and spent a shitload of money on VIP bottle service and lap dances for the bachelor... Got back to the Palazzo hotel around 5am and was about to go sleep, but was too drunk and couldn't sleep cause I was spinning out... LOL... Went down stairs with one of my boys and hit the $15 craps tables... pulled out what money I had left and cashed in my last 300 from the 2700 bankroll I had for the weekend... Observed how the other players were rolling and the table was cold... By the time the dice got to me, there was only 2 people left on the table other than my friend and I... Put 15 on the pass line and a 5 on all the hardways, working... Come out roll, hard 6 or 8, cant remember which number but I parlayed it... 130 across the board and a little while later hit my point, the hard way... LOL... Pressed it up to a 100 and eventually the number hit again the easy way, so I put another 5 on it... Roll was about 30 to 45 minutes long, but eventually crapped out... My friends roll was next and his roll was even longer and he also hit me with a hardways with 50 on it... Dice went around the table and came back to me... My friend and I both had another good roll each and by that time it was around 9am... Cashed out 2800 and my friend cashed out 2200... crazy thing is there was a guy on the table who said he was down around 2000... He was playing no less than 100 a number, but wasn't playing all the numbers... When we were leaving the table, he colored up too... He cashed out close to 15,000 and gave us 200 each... LOL... Crazy night/morning...
This is the funniest thing I ever saw in Vegas.
About 10 years ago I was killing time playing nickel video poker at the Gold Coast. These machines had a "double-up" feature where, on any winning hand, you could try to double your win by picking a card higher than the dealer's card (basically a 50/50 shot). If you doubled and won you could again take a shot to double your winnings but if you lost you lost everything you have won to that point.
So this homeless dude sits down two machines away from me and pulls some change out of his pocket, searching for nickels, and puts 2 or 3 in the machine. He is looking at the buttons trying to figure out how to play...finally plays a hand and wins maybe 15 credits. He hits the double up button, and wins, then doubles again and wins...and keeps doubling...and winning! Each time he wins the machine racks up his credits and is taking longer and longer to do so...and after a while I stop playing my machine and just watch him.
He keeps hitting the double up button and keeps winning...maybe like nine times total. By this time he has over $300 in credits, all after starting with 2 or 3 nickels! I am watching him to see if he is gonna cash out or risk it all once more...and he is just looking at the machine and just seems baffled. I finally ask him "hey man, do you know what you are doing?" and he says "naw, man, I just been trying to get my money out of this thing". He had NO IDEA that he had been winning...he was just pushing buttons! I explained to him that if he hit the button on the left, they would come pay him about $300. He says "no garbage?", I say "no garbage!" and he hits that button. They come hand pay him over $300 and he digs back into his pocket, finds his last two nickels, puts them in, loses, and takes off.


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WWW Chat Bible Commentary
User-Posted Comments on Job 36:17
Recent User-Posted Comments
#1 Comment on Genesis 1:1
This is not saying it's the first day. The very beginning God made. Then the 1st. day God said let there be Light. Light was already here, but God reveals it for man.
- Sow Good Seed (1/21/2018 8:20:46 PM) [qBible.com]
#2 Comment on Zechariah 11:13
How come in the Jewish Study Bible it is translated
" Deposit it in the treasury " as opposed to " cast it
unto the potter "
- Bruce W (11/9/2017 9:35:58 PM) [qBible.com]
#3 Comment on Genesis 1:3
The Hebrew word for Light in
Genesis 1:3
Light = א֑וֹר
א֑ = Aleph:
Ox, Bull, Gentle, Tame, The Leader, Strength, Adonai, What is First?
וֹ = Vaw:
A nail, a peg, a hook, joining together, making secure, becoming bound(nailed to)
ר = Reysh:
A head, a person, what is the highest, most important, Chief
The sun had yet to be created (occurs in Gen 1:15) but God said let there be light so it cannot refer to physical light. Then if it was a spiritual darkness that was dispelled upon the earth by God ordering light to enter the world then was He not proclaiming the unity between Himself and His own son. Was that His declaration?
So imbedded in this unique form of the Hebrew word for light first time the word light was used in God's Word seems to declare the victory of the firstborn of the family of God His Son our Lord and Christ
This is the ancient picture for Aleph and it stands for Adonai which means Father and Lord and has a force behind it which has a connotation of the Highest Power.
So this Vaw joins the first and last character. The original picture representing a tent peg can stand for joining together, making secure, or nailed to and it is the most visually similar picture to a cross.
The last picture that became the Reysh in the Hebrew language is a picture of the head of a man and implies the most important Chief or physical leader of a family.
So it is my assertion after great studying that this three character Hebrew word encapsulates the entire story of Salvation and God's promise toward us. It includes a prophecy and a declaration of God's infinite power just as the smallest elements of matter that make up the physical universe always testify of God's design and power.
This one Word just as Jesus is spoken of as the Word of God in John 1:1 and the light being the light of men. The very first order of business at the advent of His creation and His story He declared the beginning and the end, the union and victory of His Son on our behalves. To look into the depth of the beauty of our God is the spring of our hope in Him.
- William Shelton (11/9/2017 5:56:11 PM) [qBible.com]
#4 Comment on Psalms 91:16
G-d will show us His Yeshua says it all !!
- Donna (2/19/2018 3:19:42 PM) [qBible.com]
#5 Comment on Leviticus 21:7
Holy the goal in perfect character living in thee instruction of HASHEM.THE HOLY CREATOR OF ALL..
JEREMIAH 33;3EZEKIEL,34:Isaiah 482nd samuel 6. 1st kings 3
Oseas 4. Jeremiah 13 .
- Jose (2/25/2018 6:16:00 AM)
#6 Comment on Genesis 30:3
"that she may bear upon my knees" means: "that may take care of the child" or "that I may bring up the child"
- Thittj (7/11/2017 3:08:42 PM)
#7 Comment on Isaiah 30:5
Zechariah 14:5 And therefore ,they did stand his feet, at day, this day ,above mountain this olives, which against faces (her Jerusalem) out of east, and therefore ,to cleave mountain the olives ,out of his half her east and also her west, valley great exceedingly ,then to depart, half this mountain her north,and his half her south. And (you did)ensign a flag:we will keep secret (split )valley of my mountain now touchs with the (great)valley of the mountains facing Azal = "proximity: he has reserved" and (you did)ensign a flag: we will keep secret ) as when (you did) flag a secret from out of before the earthquake in the days of Uzziah king of Jehudah, and comes Jehovah my Elohim [and] all your saints with thee. 5127 flee does not match. 2LetterLookup - Ancient Lexicons for Greek... Hebrew... Aramaic look it up on google 2LetterLookup. first two letters come up as flag last two letters match suffix you did and the other possibility is the first letter is a Prefix we will and the last three letter translated to keep secret we will keep secret.And if it is secreted then maybe both apply. Zechariah 14 :6 and 9007shall come to pass 1961 in that 9004day 3117 this 9005 they 1931 not 3808 will exist 1961 illumination [of mind ] 2016 weighty prized precious, 3368 [ They will ] congeal, settle, become 7087 and 9007 be brought together. The two halfs of mount olives cross the Atlantic ocean the exceedingly great valley of mountains. Following the coordinates from mount olives 31 37 22 50 west you will be in Georgia then heading north you will be in Massachusets these are 13 colonies of Christian Zion . The mount olives is the people of God spread out in the land from South to North. And the LORD my God shall come, and all the saints with thee the LORD my God shall come to America and all the saints with him. But it shall be one day which shall be known to the LORD, not day, nor night: but it shall come to pass, that at evening time it shall be light. Israel is 7 hours ahead of Boston, MA , sunset in Israel depending on the time of year is 7:00 PM thus night in isreal. At 12:00 pm in boston the sun is shining, the sun is shining at night because the Lord moved his people. Isaiah 49 Sing,O heavens; and be joyful, O earth; and break forth into singing, O mountains: for the LORD hath comforted his people, and will have mercy upon his afflicted.But Zion said,The LORD hath forsaken me, and my Lord hath forgotten me. Can a woman forget her sucking child, that she should not have compassion on the son of her womb? yea, they may forget, yet will I not forget thee.Behold,I have graven thee upon the palms of my hands; thy walls are continually before me.Thy children shall make haste; thy destroyers and they that made thee waste shall go forth of thee.Lift up thine eyes round about, and behold: all these gather themselves together, and come to thee. As I live, saith the LORD, thou shalt surely clothe thee with them all, as with an ornament, and bind them on thee, as a bride doeth.For thy waste and thy desolate places, and the land of thy destruction, shall even now be too narrow by reason of the inhabitants, and they that swallowed thee up shall be far away.the children which thou shalt have, after thou hast lost the other, shall say again in thine ears, The place is too strait for me: give place to me that I may dwell.
- dd (3/28/2017 6:43:36 AM)
#8 Comment on Genesis 9:18
Matthew Henry Commentary
II. Noah's sin and shame: He planted a vineyard....
III. Ham's impudence and impiety: He saw the nakedness of his father, and told his two brethren, Genesis 9:22. To see it accidentally and involuntarily would not have been a crime; but, 1. He pleased himself with the sight...
IV. The pious care of Shem and Japheth to cover their poor father's shame...
1. He pronounces a curse on Canaan the son of Ham (Genesis 9:25).... [MHC]
Inspired Commentary
Most commentaries have similar content deciphering this portion of Torah. I am not stating that I am smarter or even correct in my assumptions but the commentaries on this passage have left me a bit confused on this biblical account. Instead of reiterating what others say, I wish to establish what I see as a possible analysis of this portion of the Torah.
Let's open at the beginning of this version and define the scripture to its entirety as given to us by Moses. First,ŕÄéůŃ äČŕÂăČîČä [to be] an husbandman #0376 ŕÄéůŃ iysh {eesh}N M; man, mortal man, person, mankind and #0127 ŕÂăČîČä ' adamah {ad-aw-maw'}N F; ground or land. At first glance, one would make out that đÉçÇ Noach was a man of the ground, a farmer per say. Now, bear with me as I attempt to examine this as what see as Jewish metaphorical imagery. We know that đÉçÇ Noach is the main subject of this phrase because everything in this sentence points back to him. Then we discover that he is the man of the land, or is there another perspective to what may be suggested? I agree that ŕÄéůŃ (iysh) is a word for man or husband but the word used here is a form of iysh #0582ŕÁđוֹůŃ ' enowsh {en-oshe'} which is properly a mortal, hence a man in general (singly or collectively). It becomes discernible that the terminology is suggestive that there is more than one man or a people, if you will allow me some leniency. Then he planted, #5193 đČčÇň nata` {naw-tah'} Verb - Qal Imperfect; to plant, fasten, fix, establish a #3754 ëĚĆřĆí kerem {keh'-rem} a garden or vineyard. Planted here would give the impression of an establishment of something and one would only need to read verse 18 to see what đÉçÇ Noach initiated, any individual can distinguish that it was by means of his sons that he founded a lineage of future peoples. Then, vineyard throughout the scriptures, is a symbol for the people of God; so, why should this be any different in this narrative. Thereby, a people of God will come from his lineage. Then in verse 21, and he drank, #8354 ůŃČúČä shathah {shaw-thaw'} Verb - Qal Imperfect; to drink, of drinking the cup of God's wrath, of slaughter, of wicked deeds; of the wine, #3196 éÇéÄď yayin {yah'-yin}. In Hebrew, the word is "yayin", denoting fermentation is a Symbol of Sin especially in wine where "leaven" or yeast, is used to make the wine ferment. And was drunken, evokes #7937 ůŃČëÇř shakar {shaw-kar'} Verb - Qal Imperfect; to be or become drunk or drunken, be intoxicated, and he was uncovered, indicates #1540 âĚČěÇä galah {gaw-law'} to be disgracefully exposed. The symbols of intoxication and nakedness are usually found in scripture for those who indulge in Sin and then having it publically exposed, respectively. Do you see where I'm going here? If this were a sin of đÉçÇ Noach's, then where is God's retort to the sin of this once obedient Servant, who behaved in such a reprehensible manner. God's silence at this juncture is probably due to this storyline being written in Jewish prose and all the events are in metaphorical symbology. And now, to finish this verse, where is đÉçÇ Noach during the events that happened in this prophetic discourse. It states that he was within his tent, #8432 úĚČĺĆęŔ tavek {taw'-vek} N M; meaning to sever; a bisection, that is, (by implication) the centre: among (-st), X (there-, where-) in (-to), middle, mid [-night], midst (among), and #0168ŕÉäĆě ' ohel {o'-hel} N M; nomad's tent, and thus symbolic of wilderness life, transience, dwelling, home, habitation; which concludes for me that đÉçÇ Noach in this account is meant as pertaining to a nomadic people that dwell in a wilderness area so as to call it home, much like Abram and his lineage. See Genesis 9:22 for the rest.
- Revgrad (9/6/2017 12:45:55 PM)
#9 Comment on John 8:51
The dutch version (of John 8:51) has the advantage of yielding vast improvement upon minimal tweak 'core action' if you will]; away the letter w 4x and voila, this txt becomes an eminently natural one, ground it; diss the meta woo & harmful hasbara pin that spins heads instead of rocks people!!!!!!!!!!!!!!
ps: this site is nice .. but my right click 'speak it' (tts) won't pick it up .. and not bycause it's down .. i just made it say my name .. that was a hoot, it don't know no dutch ...
- piety piet duh pious poet (10/20/2017 4:25:27 AM)
#10 Comment on Song of Songs 1:4
Thank you Frank Pytel, your comment makes a lot of sense. If the Holy Spirit leads you to post more about spiritual elevation, please do so. I am studying Song of Solomon and I would like to learn more as I am curious about how Song of Solomon chapter 2 relates to the harpazo or the rapture mentioned in 1 Thessalonians 4:15-18. Is the dove of Song of Solomon 6:9 the same as the Daughter of the King of Psalm 45:13? I would like to hear your feed back on this. Shalom.
- Andrea Leon (9/18/2017 10:20:14 AM) [qBible.com]
#11 Comment on Zechariah 5:6
I cast my shadow on the moon,my circle can not be hide.That big round moon ,beautiful in every phase. And thus she shows her night day.And when i go between the sun and the moon i cast shadow round ,my movie is seen on high i am the truth from the sky
- haha (2/10/2018 11:01:55 AM)
#12 Comment on Genesis 9:22
Genesis 9:22-23
ĺÇéĚÇřŔŕ and he saw #7200 řČŕČä ra'ah {raw-aw'}; Verb - Qal; to see, look at, inspect, perceive, consider
çČí Ham #2526 çČí Cham {khawm}; Noun; Ham = "hot"
ŕÂáÄé the father; #0001 ŕČá 'ab {avb}; Noun - Masculine; father of an individual, of God as father of his people, head or founder of a household, group, family, or clan, ancestor. However, here the noun is used in the 1 person common singular and it could be masc. or fem. So if this was directed at đÉçÇ Noach why use ŕÂáÄé (avi) instead of father the masculine ŕČá (av)? I suggest that this is the case because ëŔđÇňÇď Kena`an {ken-ah'-an} is in reference to a nation, people or country and wasn't meant as a blemish on Ham pertaining to His 4th son. So, what we possibly see here is a prophetic passage concerning the line of Ham. If it were meant for ëŔđÇňÇď Kena`an, He would have been the one to look upon this metaphoric drunken state of his grandfather. But the passage tells us that his father çČí Cham looked and is suggested that he despised his father's nudity. Then, when đÉçÇ Noach awoke he knew what the youngest son had done. How could đÉçÇ Noach have known when he was in an unconscious drunken condition? Only by divine inspiration could he have known of the act and then give his prophetic message of ëŔđÇňÇď Kena`an's enslavement by his older brothers. This proposed rendition of the deeds that ensued is unlikely not found in what most commentaries will suggest. Most will conclude that ëŔđÇňÇď Kena`an is the one who viewed đÉçÇ Noach's condition but when we look at the account, it distinctively conveys otherwise. çČí Cham, the youngest son has the bad character in this story not ëŔđÇňÇď Kena`an. However, this isn't ëŔđÇňÇď Kena`an the villain man but ëŔđÇňÇď Kena`an the nation, land or peoples of his ancestry.
ëŔđÇňÇď #3667 ëĚŔđÇňÇď Kena`an {ken-ah'-an}; Canaan = "lowland"
- Revgrad (9/14/2017 8:31:25 AM)
#13 Comment on Isaiah 33:21
David is the witness: ASV 1901 { { Isaiah 55:4 Behold, I have given him [for] a witness to the people, a leader and commander to the people55:5 Behold, thou shalt call a nation that thou knowest not; and a nation that knew not thee shall run unto thee, because of Jehovah thy God, and for the Holy One of Israel; for he hath glorified thee. What nation?The USA? ASV 1901 { { Isaiah 65:1 ¶ I am inquired of by them that asked not [for me]; I am found of them that sought me not: I said, Behold me, behold me, unto a nation that was not called by my name.The USA! Now therefore write ye this song for you, and teach it the children of Israel: put it in their mouths, that this song may be a witness for me against the children of Israel Deuteronomy 32:21 (song of Moses) They have moved me to jealousy with that which is not God; They have provoked me to anger with their vanities: And I will move them to jealousy with those that are not a people; I will provoke them to anger with a foolish nation. God told David 2 Samuel 7:10 And I will appoint a place for my people Israel, and will plant them, that they may dwell in their own place, and be moved no more; neither shall the children of wickedness afflict them any more, as at the first, Isaiah 62:1 ¶ For Zion's sake will I not hold my peace, and for Jerusalem's sake I will not rest, until her righteousness go forth as brightness, and her salvation as a lamp that burneth.62:2 And the nations shall see thy righteousness, and all kings thy glory, and thou shalt be called by a new name, which the mouth of Jehovah shall name. 62:5 ¶ For as a young man marrieth a virgin, so shall thy sons marry thee; and as the bridegroom rejoiceth over the bride, so shall thy God rejoice over thee. virgin land ! Behold King Jesus In the USA Isaiah 33:17 Thine eyes shall see the king in his beauty: they shall behold the land that is very far off. Isaiah 33:18 Thine heart shall meditate terror. Where [is] the scribe? where [is] the receiver? where [is] he that counted the towers? Isaiah 30:25 And there shall be upon every high mountain, and upon every high hill, rivers [and] streams of waters in the day of the great slaughter, when the towers fall. Isaiah 30:13 Therefore this iniquity shall be to you as a breach ready to fall, swelling out in a high wall, whose breaking cometh suddenly at an instant.Isaiah 30:14 And he shall break it as the breaking of the potters' vessel that is broken in pieces; he shall not spare: so that there shall not be found in the bursting of it a sherd to take fire from the hearth, or to take water [withal] out of the pit. Hosea 12:10 I have also spoken by the prophets, and I have multiplied visions, and used similitudes, by the ministry of the prophets. similitudes the quality or state of being similar to something.synonyms resemblance, similarity, likeness, sameness, similar nature, comparability, correspondence, comparison, analogy, parallel, parallelism, equivalence; interchangeability, closeness, nearness, affinity, homogeneity, These chapters of Isaiah are similitudes of 911 twin towers. Behold King Jesus In the USA Isaiah 33:17 Thine eyes shall see the king in his beauty: they shall behold the land that is very far off. Isaiah 33:18 Thine heart shall meditate terror. Where [is] the scribe? where [is] the receiver? where [is] he that counted the towers? next verse Thou shalt not see a fierce people, a people of a deeper speech than thou canst perceive; of a stammering tongue, [that thou canst] not understand. next verse Look upon Zion, the city of our solemnities: thine eyes shall see Jerusalem a quiet habitation, a tabernacle [that] shall not be taken down; not one of the stakes thereof shall ever be removed, neither shall any of the cords thereof be broken.next verse:— But there the glorious LORD [will be] unto us a place of broad rivers [and] streams; wherein shall go no galley with oars, neither shall gallant ship pass thereby. King Jesus is in the land that the towers fell ! That land shall have great rivers. The United States of America has over 250,000 rivers, with a total of about 3,500,000 miles of rivers. The longest river in the USA is the Missouri River (it is a tributary of the Mississippi River and is 2,540 miles long), but the biggest in terms of water volume is the deeper Mississippi River. The longest undammed river in the contiguous USA is the Yellowstone River (it is 692 miles long). Behold, thou shalt call a nation that thou knowest not; and a nation that knew not thee shall run unto thee.I said, Behold me, behold me, unto a nation that was not called by my name. They have moved me to jealousy with that which is not God; They have provoked me to anger with their vanities: And I will move them to jealousy with those that are not a people; I will provoke them to anger with a foolish nation. God does not forget his word he has done it before your eyes! Behold christian israel the Usa
- dd (10/12/2017 8:21:27 AM)
#14 Comment on Revelation 22:1
- klodi (1/22/2017 3:09:38 PM)
#15 Comment on Song of Songs 3:11
Song of Songs 3:11 speaks of the gladness of the Beloved Christ. Although we often consider our joy and satisfaction, we need to come a point in our love life with Him that we are more concerned about His pleasure than our own. Our goal and our ambition should only be to please Him (2 Cor. 5:9)!
- Frank Pytel, "The Two Become One" (6/17/2017 11:52:09 AM)
#16 Comment on Jeremiah 5:1
agradeço a Deus. pela vida dos irmăos que desenvolveu essa pagina. . .
- fernando (9/27/2017 9:03:35 AM)
#17 Comment on Daniel 12:3
girl I know got hotel room 6663
- michal (9/27/2017 4:08:27 PM)
#18 Comment on Song of Songs 4:3
The phrase "within your locks" is used two times in the appreciation of the Beloved Christ concerning His lovers' eyes and temples (S. of S. 4:1, 3). The Septuagint translation of the phrase "within your locks" is "in silence". This emphasizes not only the matter of not being a public display, but to be quiet before Him and with Him. In such quietness with our lovely Beloved Christ, all our natural energy and selfish activity is put away. In this stillness we know He is God and see the salvation of our God at work (Isa. 46:10; Exo. 14:13).
- Frank Pytel, "The Two Become One" (7/31/2017 5:39:34 PM)
#19 Comment on Song of Songs 4:4
There are two aspects of the shields which are hung upon the neck of the lover of Christ (S. of S. 4:4):
1) God is a shield, the shield is a Person (Gen. 15:1; Psa. 3:3)
2) The lover of Christ apprehends the shield by faith, or her faith in union with God is the shield (Eph. 6:16)
Faith comes by hearing the Word of Christ (Rom. 10:8, 17), which brings God into our experience as our shield. Our constant union and fellowship with the divine Beloved Christ through His living word and our living faith become many experiential shields which are displayed upon the renewed and transformed neck (will) of His lover bride. This is a bridal characteristic appreciated by our loving Bridegroom Christ!
- Frank Pytel, "The Two Become One" (8/12/2017 6:10:17 AM)
#20 Comment on Isaiah 54:16
Such a shame that only the septuagint brings out the true text of this verse - all the heb texts are a contradiction to the context of the chapter and the gospel!
- Francois du Toit (8/12/2017 3:55:43 AM) [qBible.com]
#21 Comment on Song of Songs 4:6
The lover/bride rises up to ascend the mountain and hill to gather more of the fragrant spices of her Beloved Christ found in holy elevations. It is here she is free from other influences. Beloved Christ, I want to walk the elevated life in the Spirit more completely that I would not fulfill the low cravings of my fallen nature (Gal. 5:16).
- Frank Pytel, "The Two Become One" (8/25/2017 5:51:40 AM)
#22 Comment on Song of Songs 4:7
When the Beloved Christ addresses his lover/bride as "My love", he sees her as a person who is filled with his love. He is the source of her love and supplies her with his love, ever pouring out his love into her heart (Rom. 5:5)! Through many experiences of union and fellowship with the Beloved Christ, she is constituted with Him as love and His love has become her person. He tells her, you are "my love".
- Frank Pytel, "The Two Become One" (8/30/2017 7:25:02 AM)
#23 Comment on Ezekiel 23:3
I wonder why the word bruised is used instead of fondled,that their teats were bruised in their virginity. There must be some reason for this.
- Bonnie (12/19/2017 3:50:57 PM)
#24 Comment on Ezekiel 7:2
Earth is flat. Space X and NASA deceive... Do your research and believe the word of God that is written in the Bible. Which clearly tells us the earth is unmoving.
- Pray the Rosary (2/9/2018 11:03:26 AM)
#25 Comment on Proverbs 1:4
Posted this just to get rid of the last newest user posted comment.
- Just here (1/5/2018 8:21:28 PM)
#26 Comment on Song of Songs 4:11
A beautiful interpretation, Frank, thank you for sharing it. And her garments have the scent of cedar, the timber of Lebanon which Hiram sent to Solomon for the construction of the temple in Israel, where she dwells perpetually in the presence of the King.
- eved melekh (11/25/2017 4:06:15 PM)
#27 Comment on Revelation 1:1
TAXOS is akin to our word Taxi. which is called same because it is Fast. not soon. When the Lord Comes it will be within say, minutes, not eons.
#28 Comment on 1 Kings 13:23
are you lieing to god when two people get a divorce
- hiiiiii (2/17/2017 9:21:31 PM)
#29 Comment on Hosea 3:4
- les. (9/12/2017 3:40:10 AM) [qBible.com]
#30 Comment on 1 Kings 16:34
Bethelite -Inhabitant of bethel-(House of God )
- Amy hema (1/11/2016 3:41:29 AM)
#31 Comment on 1 Samuel 30:8
God will those who put their trust in him
- Joseph (10/26/2017 11:17:21 AM) [qBible.com]
#32 Comment on Genesis 18:3
The text is translated to "And said, Yahwe, if now I have found..."
But the hebraic word is "Adown". not "Yahwe".
- Chimpa Theist (9/13/2017 10:07:34 PM) [qBible.com]
#33 Comment on Colossians 1:15
First born means the primary of those born, not the initial. Those born does not mean those created. She who is born carries with her essence of the one who bears her. He being created is made out of ingredients and the substance is there but not the essence. Khavvah was first named ishah because she came out of ish. The man is named red clay.
Before that was the Son. He is hayah as light (John 1) by YHWH who is hayahed all by self.
These are the first things we are told in the book that is not biology or physics but does not confuse biology and physics.
Who has seen the One born has seen the One bearing. Look at the primary One, then, later, you can see "the image" in the lesser born.
- Rick (7/9/2016 8:17:19 AM)
#34 Comment on Daniel 4:12
- klodian (2/24/2017 9:08:26 AM)
#35 Comment on Judges 17:2
why did he take it to begin with?
#36 Comment on Proverbs 16:7
Thanks Eved, It is something to think on and have. Yes you are right,we will never know it all in any life time :)
- Ted Russell (7/22/2017 3:25:38 PM)


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