Revisiting Parallel Forecosure.

Only 86 google listings exist when one types the phrase in quotes "Parallel Foreclosure", yet perhaps a million homeowners were victimized by this hideous banking practice during the Obama Administration's tenure.

Learn more about Parallel Foreclosure and ask yourself, are not homeowners who were the victim of Parallel Foreclosure entitled to a financial remedy?

West Hills Fallbrook Point Building Project needs community input before it can be approved..

Your community may be Urbanized, but is it part of a Metropolitan region, or is it a Micropolitan community within a Metropolitan region, and why does this matter?

Micropolitan communities are more likely to have larger plot sizes per residence which in turn keeps the local community population size to under 50,000 residents with less population density. The Micropolitan population is a distinction with a difference and should require that any new business development take into account the local community description and blend in.

Micropolitan communities may or may not have enough local businesses to sustain the community. So one downside to having larger residential plot sizes is members of the community may have to commute longer distances to find employment.

When new business construction is to occur within a Micropolitan community, the wisest and fairest course of action is to ask the local community what would work for them if a new business development were to be constructed.

In the case of West Hills, California, an Urbanized location that qualifies as a Micropolitan community of less than 50,000, the logical course of action would include asking the community what type of commerce would benefit their Micropolitan lifestyle. When the community is not asked what would benefit and align with their local community, the business developer most likely will clash and subvert that which came before them.

What might make the local community happy can vary and can best be found out by asking.  The local Micropolitan community might be thrilled if the new business development actually created jobs within walking distance for the local community. 

Walking distance jobs would also mean less traffic from West Hills to locations all over Southern California, and would mean less overall long distance daily trips to the new Business Development from all over Southern California.

The agenda of the Business Developer may need to shift from one that presumes the local community exists only to consume products made elsewhere, when the real truth may be the local community would delight in having modest business development that would actually allow the local community to create their own small businesses, services and start-ups within the local proposed development.

Large Film Studios like Universal have created boutique rental spaces for start-ups. The start-ups get to use the name Universal as their business address, and if they are able to conjure up work for themselves that also use tehe studio in the future, the symbiotic relationship between the two entities creates a positive outcome.

How many families in our Micropolitan Community have college aged kids who are reluctant to plunk down $100,000 for a college education but would gladly pay 1,000 a month for a boutique space for their kids who want to try their hand at a start-up business?

If the Business developer prefers to construct tall standing buildings that obstruct the view of the mountains in a Micropolitan community called "West Hills", then in essence stealing the Developer is stealing the existing view from homeowners who previously nurtured and allowed the area to thrive so the business developer can now swoop in, obstruct their view of the mountains, and then enjoy the stolen view from their tall buildings, not a neighborly thing to do.

The State of California is supposed to lead the way in Climate Change strategies and energy use reduction, yet the actions of this business developer are not in sync.

Bring work opportunities to our Micropolitan Community the local Residents want; resulting in reduced gasoline consumption, less wear & tear of our roadways, cleaner air, creative jobs, and that create a real sense of community, any thing else is just more of the same old, same old, and not congruous with an allegedly progressive California.

"I could care less" is just as valid as "I couldn't care less".

Alex Logic Words and Phrases would like to defend the phrase "I could care less". Some people blister whenever a person says "I could care less" when what they supposedly meant was "I couldn't care less". I used to think (wrongly) the same way as these belligerents do.

"I could care less" simply means a person is so indifferent about some thing that for them to care even less than they do would require work, work which they don't want to bother putting in. 

One could further argue that people who say "I couldn't care less" have earned the famous Shakespearean reply "Thou doth protest too much".

For other wacky or not wacky AlexLogicWords and Phrases please check out "Is the Glass half empty or Half full" and "Beat a Dead Horse" which apparently I have not written yet on this site but will in due time, or would that be do time?

If you Love Someone, Set them Free...Part II.

If you love someone, set them free. Then don't keep staring at them wondering if they are ever going to come back because a minute will seem like an eternity.

Gutting is the new Economic Growth Paradigm.

It's all about Gutting now when it comes to growing the U.S. Economy. Growing the U.S. economy requires an intermittent culling, or gutting, of blue collar wealth so that it can reseed the rest of the middle and lower income class.
As long as the gutting percentage remains under 10%, most probably won't care. Although the argument could be made that even if the gutting went up to 20% or 25% that that would just make the non guttee's that much more grateful and subservient.
Foreclosures lead to renewed opportunity to grow value in a property. Credit card defaults lead to ongoing misery for those who can never pay off the defaulted debt and are forced into higher and higher interest rate paying cycles.
The Foreclosures make the rest of the middle class happy for the renewed economic opportunity of real estate appreciation, fear of credit card defaults and the defaults themselves keep the banks happy as it plunders the credit score of the defaulter resulting in ever higher interest rate charges and profits on any future debt.

Held Hostage by Ambivalence.

Our media is trapped in a world where stories of heroism, terrorism, and political speeches define their reality. Most people live in a world where they are trapped by ambivalence. The two sides occasionally meet when the average person does something heroic or terrible.

What the average person really needs is for the media to care more about how a person's pain is manifested and cultivated by acts of ambivalence.

Forever Debt.

What is Forever Debt?

Forever Debt is the monthly non-mortgage household debt that is downplayed by economists as "serviceable". What economists fail to mention is that the percentage of monthly serviceable household debt number (Forever Debt) then needs to be multiplied by 2.5 (aka 25%) to determine what it would actually cost just to begin paying down Forever Debt on a monthly basis.

So when economists state that a household is "only" spending 10 percent of their monthly household income to "service their non mortgage debt", what they aren't saying is that it would take 25% of a household's monthly income, and a few years time to actually pay off that "10% serviceable debt".

If you love Someone, set them free, explained.

"If you love someone, set them free. If they come back, they're yours; if they don't, they never were", explained below.

The problem with the "If you love someone set them free" saying is the person setting the other one free doesn't realize its them that was being set free by the other person.

We Support Consumer Rights, in Quotes, has been posted ZERO TIMES since 2010 in a U.S. related search.

I just did the most stunning google search. I searched for the phrase "We Support Consumer Rights" in quotes. The quotes ensure that google only searches for that phrase in that order.  I only got 10 hits. When I added the following exclusions, -Dubai, -Australia, and made the research from 2010 to the present, I got ONE RESULT.

When I clicked on that one result, it went to a site that is no longer  working.

Not one group or organization or a person with multiple personalities from the U.S. has posted "We support consumer rights" since 2010. That explains a lot.

When I searched for "I support Consumer Rights" -australia, since 2010, I got four hits.

Two of them were for X-box related issues and another for the UK. The fourth was an article debating the merits of labeling GMO that  seemed to be a bit concern trollish in nature in favor of doing nothing. 

Maybe because Consumer Rights is not a person, people feel less inclined to post "I support Consumer Rights". 

Still seems lame there are not more proclamations stating one's support for Consumer Rights.

What is a First Lien REHELOC?

A First Lien REHELOC would allow homeowners who are equity rich (they have a paid off home and a HELOC that is for a very modest portion of the value of their home, (under 50%)) but cash poor to reset an existing first lien HELOC with a REHELOC so they could remain in their homes by using their homes total net worth as collateral.

For some reason the Government, the Banks, the Fed, and Dodd / Frank are against REHELOC's. These entities are so against REHELOC's that the term DOES NOT EXIST nor is it considered an option!

So if you are a homeowner who spent 20, 30, or 40 years paying off your home and are equity rich but cash liquidity poor, and have a HELOC that is about to reset after 10 years, going from an interest only payment to an interest and principal payment, nobody will allow you to get a first lien replacement HELOC, aka a REHELOC.

Nobody! Not even if the REHELOC would be for less than 50% value of your paid off home. 

Wow.

Empathy is like Watering a Garden.

Empathy is like watering a garden. If we don't aim very well, some things proliferate more than is necessary and other things may die that should have prospered.

Empathy Defeats Tyranny, but Anger Defeats Empathy.

Empathy Defeats Tyranny, but Anger Defeats Empathy.

Definition of Depression.

Definition of Depression. The moment in your life when you realize you have collected more musin than minutes left to listen to them all one more time.

Every Time an Earthquake hits, Millions of Cats Get their Wings.

In this instance, I am guessing the earthquake that just hit Los Angeles was the biggest earthquake since 1994, so that's a whole lot of cats that just got their wings.

If you tell Someone who Doesn't Care, your Problems, you'll just have another problem.

If you tell someone who doesn't care, your problems, you'll just have another problem. 

-Alessandro Machi, AlexLOGIC Words and Phrases.