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tomtom

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Everything posted by tomtom

  1. And we wonder why you're unsatisfied. Is it a size issue?
  2. Or here. http://cascadeclimbers.com/forum/ubbthreads.php/ubb/showflat/Main/56843/Number/758602#Post758602
  3. The classics never go out of style. Oh yeah.
  4. The best outdoor gear review site I've seen is this one: http://www.backpackgeartest.org/
  5. This looks to be the ultimate cram course on mountaineering. http://www.yamnuska.com/semestersandleadership.shtml
  6. Or MissNormandy. She liked posting pics of herself on the web.
  7. You must be new. Darasius in Climbing Partners
  8. They're called Buyer's Agents.
  9. And it makes it hard to foreclose if you can't figure out who owns the property.
  10. Another accelerant on the bonfire was the performance of other asset classes early in the decade. The stock market was rolling down hill and nominal bonds weren't paying squat for interest - remember when MM funds were paying less that 1%? I'm sure it was pretty easy for salesmen to dangle complex financial products paying out higher interest and buyers closed their eyes to the risk. Risk that was probably impossible to calculate, anyway. I've read several advisors who recommend avoiding even normal mortgage bonds because of issues of risk. Care to quantify prepayment risk?
  11. Clinton initiated this mess through his National Homeownership Strategy. The Clinton administration actions include: Making It Easier to Qualify for Mortgage Loans. The FHA has eliminated unnecessary and overly strict requirements under its loan program that made it difficult for many families to qualify for mortgage loans. It has also given lenders greater flexibility to make homeownership possible for more nontraditional borrowers, and has clarified certain underwriting requirements so they are not applied in a discriminatory manner. With these improvements, thousands more families are eligible for FHA-insured home loans. It also streamlined its underwriting criteria, consolidated operations, and improved its performance. The cost savings from these improvements have resulted in cost savings to consumers. In the end it just drove up housing prices.
  12. Another option would be to transfer to a school in the PNW with an active outdoor program. Successful mountaineering is a combination of education and experience, so you need to get as much as possible. The Cascades are a playground of rock and ice.
  13. Maybe to you, but I'll guess a few Vietnamese have a differing point of view.
  14. What's the difference between a climbing guide and a large pizza? A large pizza can feed a family of four.
  15. Notice the original poster wrote "mountie", not Mountie. And that he is from Canada.
  16. In nightclubs there's a troll named Drew, Who drives around in his Suburu, He tackles the pro-hott's back, Like Laurence Taylor on crack, But his face pubes are the Greek letter for "eww."
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