Saturday, January 30, 2010

Just opening post of my site


"I wish I had never touched steroids. It was foolish and it was a mistake. I truly apologize. Looking back, I wish I had never played during the steroid era."


Now we officially know that Mark McGwire used Performance Enhancing Drugs ("PEDs")



What we don't know with any assurance is who did not use PEDs.



So when Tim Brown of Yahoo attacks Mark McGwire by saying that McGwire "was the steroid era" and that McGwire "wasted our time," Brown is talking nonsense. Yes, all players did not use steroids, but many, maybe most, did. What made Mark McGwire different was that he was the second best juicer at hitting home runs.



Also, he saved baseball in 1998. Remember? If he hadn't, Brown might be writing about a sport with an equivalent stature to hockey.



McGwire is correct to regret being a player in the steroid era. Had there not been a steroid era, McGwire would be in the Hall of Fame already.



The evidence that "everyone" used PEDs is strong. The Mitchell Report identified 89 players who allegedly used. But, we know this was a sampling, not anything near a complete list. Aside from a handful of random people who spontaneously confessed or were accidentally detected, the Mitchell Report only includes those in webs connected to five providers: BALCO, former Met batboy and clubhouse employee Kirk Radomski, former Yankee strength coach Brian McNamee, and two rejuvenation clinics in the South. Fifty two were associated with Radomski, who was required to talk to Mitchell as part of his sentence for money laundering and illegal drug distribution.



Only a fool would believe that all, or even most of the PEDs in MLB came from these five sources. These providers are just the ones who were busted and forced to squeal. You have to believe that there were providers in all major league cities. Think Houston or St Louis. Or the Bash Brothers. McGwire's use was apparently connected to widespread availability connected to gyms, as presumably was the case with many others. Sammy Sosa, to pick a random name, has not been connected with any of these sources.



In 2002, the Major League Players Association agreed to testing of all players to see if there was a problem. 104 players tested positive, admittedly a group with some overlap to those identified in the Mitchell report. The results were supposed to be kept secret, but some, like David Ortiz and A-Rod, have leaked out since the federal government obtained a copy of the list.



But wait, there's more. Testing procedures have improved since these 2002 tests. Barry Bonds apparently was not on the original list, but when his sample was retested in 2004 at UCLA, it came back positive. It is unknown how many of the "clean" samples in 2002 would be dirty if retested today. Probably quite a few.



Maybe everyone did not use steroids, but it may be easier to count those who did not. Some others who claim not to have used did their bit by being active in the player's union's resistance to effective testing or significant sanctions. All concerned share the blame for enjoying the feats rather than doing anything about the drugs. It is patently unfair to put the onus on McGwire.



He should be back in baseball, as he now is, and because he was an elite player, he should be in the Hall of Fame. His "confession," while inartful, has far more truth than A-Rod's or Ortiz's. Time to accept him and move on.



Who knew?

1990





1998












We at the Daily News are proud of our letters page. Many of our readers are as scrappy and opinionated as we are, and we are proud of the fact that the page shows that. Our letters pages embody our mission as "the People Paper," and we publish about 2,000 letters a year. We see the pages as a town square where everyone has a right to speak. And we make sure that people without e-mail and Internet access have as much speech as those who do.

In fact, that's why newspapers are so important. That the Ellie Light letter got so much attention in a world where so much online commentary is anonymous speaks to the power of newspapers. Our brand of democracy requires only 75 cents to enter, not a computer or Internet access. We believe the conversation on our pages are richer because of it.

This wasn't the first time a paper used the scandal as a chance to brag about its own popularity: the Los Angeles Times spun that same yarn on Monday.

The growing consensus in the media is that the little people should be happy for a chance to speak at all. And when this process is corrupted by deception? According to the News, you should look for some cheese to go with that whine:

THE BOTTOM line: Having your say is a precious privilege we have in this society. Ellie Light took advantage of this privilege, while taking advantage of the newspapers in question. We'll continue to verify basic facts, but we'll also continue to rely on the good faith of our readers. If a few readers of less-than-good faith get through, to us, it's a price worth paying.

So you see, these professional editors get paid to act more like bystanders and less like security guards. The privilege of getting published is such a "precious" thing that anyone can do it. Free speech is so sacred, so special, so important, that common liars are granted access without anyone caring.

Perhaps this lackadaisical approach to editing, coupled with the arrogant assumption that they're doing the public a favor, has something to do with the News's struggling profits, which forced the owner into bankruptcy protection less than a year ago.

Only in the liberal media can a newspaper exist on life support while lecturing others about "a price worth paying."

Meanwhile, the Cleveland Plain Dealer has been handsomely rewarded for providing honest coverage of the scandal. The article that broke the story earned more than half a million hits in just three days and resulted in the paper claiming ownership of an internet wildfire.

But no matter. The News is content to pay a more noble price of printing bogus spam letters as a service to society.

As to an explanation for why Light's letter was chosen, it offered exactly eight words: "it was short and made its points well."

Too bad the News didn't feel that way when dealing with George Bush. When the Philadelphia Inquirer sought to hire a Bush attorney in May 2009, the News complained about free speech being so freely available:

Will Bunch of the rival Philadelphia Daily News wrote, "It's not about muzzling John Yoo from expressing his far-out-of-the-mainstream opinion in the many venues that are available to him, but whether a major American newspaper should give Yoo, his actions, and the notion of torture advocacy its implied endorsement by handing him a megaphone."

Criticizing a newspaper for "handing him a megaphone" sounds a lot like muzzling, but hey, that was a Bush supporter. Ellie Light was a brilliant defender of Democrats who kinda sorta lied about her identity - an "implied endorsement" of her was just fine.

Not to be outdone, the Lebanon Daily News, just a few miles west in Lebanon, PA, also published an angry screed against its own critics that began with - wait for it - congratulating itself on printing letters from the little people:

Space in any newspaper is always at a premium, and we try to provide as much as possible for the people's voices, particularly on the editorial page. So when Light responded to our inquiry and said she was from Cornwall, that was good enough for us, and we rolled with it.

We usually have to write a variation of this editorial at least once a year. The titillating idea of "gotcha" is too much to pass up for some folks. Fine. We have a liberal - and we mean in the sense of what we allow, not the political leaning - policy on what's allowed on our editorial page. We always have. We welcome conventional views, opposing views, third-party views (especially those, frankly), alternate views and even the occasional skewed view. We provide a significant chunk of real estate for one to bring one's message. Most news papers don't allow upwards of 400 words for letters. We do.

How kind of these papers to welcome a variety of opinions from the very readers who patronize them. It's almost like they're starting to realize normal citizens pay their salaries.

In the middle of a hard recession that's caused newspaper profits to plummet, perhaps it would be wise of these editors to humbly apologize for making a mistake. Instead, readers are given snarky rants about "gotcha" scandals and warnings to be thankful for a paper that prints any letters at all.

If predictions about the future hold true, the newspaper industry might eventually find itself completely out of business...and Ellie Light will be remembered as a big reason why.

Friday, January 29, 2010

1st 2nd Mortgage - Learn How and When to Use a 1st, 2nd or Reverse Mortgage and Utilize the Equity Built in Your Home!

Throughout the apartment have experience, unexpected events may occur that cause the use of options to increase and decrease both the debt and equity in your property. Mortgages are just the changes in the amount of money that is required (mandatory), and the amount of wealth (home equity). The first time you buy a house, it is often possible to eliminate the advance in the direction of house prices, and then borrow money lenders to cover the remaining cost. Then payments or a fixed or variable rate mortgage loan, based on the rate, 1st 2nd Mortgage, and terms.



The agreement with you and the company is categorized as a mortgage. And if it's just the mortgage on the property, called mortgage.In is the first case, the first mortgage, you probably have a higher debt than the value of, 1st 2nd Mortgage, net assets, unless, of course, borrow less than you put it must be greater than the sum debt. Every time you make a payment to a creditor to reduce the public debt and capital property. This is done before the date the loan was satisfied, and paid the mortgage in full.



Currently the property is free and clear, and you are the owner of the property right.Anytime during the first term of the mortgage, the owner may decide to borrow against the assets built a house and take out a second mortgage. Second mortgage, 1st 2nd Mortgage, on the property, which previously had been pledged as security for the process of mortgage.The the second mortgage is very similar to the process of adoption of the first. However, since it loans on the assets already in the house, second mortgage carries rights which are subordinate to the first.



This means that the second mortgage to sue seconds, and the second survey in the event of insolvency of the first mortgage. For this reason, interest rates are often higher for a second mortgage, first mortgage.When a second mortgage, it is important that the costs outweigh the benefits. You should shop for credit to cover the best conditions for its setting, without causing unnecessary financial risks. Finally, with the duties of a second mortgage, is the owner of the house standard and likely to lose his house.



Make sure your second mortgage as hard as you do not buy the first, by comparing the annual interest rate, points, fees and prepayment penalties. All these conditions can make a big difference in the amount of money you do pay, which in turn borrow from your home equity.As the location of the first mortgage, second mortgage generally increases the debt reduction and capital at home. On the contrary, is that the mortgage.In reverse reverse mortgage the landlord is in favor of equity in their homes and receive money from the lender, without selling the house or make the monthly payments.



This money is in the form of monthly cash early house and apartment owners a lump sum, a credit account, you can determine when and how much money poured out for you or given as a combination of these payments. A landlord does not have to make a payment until, 1st 2nd Mortgage, such time as he or she lives in the residence. If the owner has to move, sell the property or dies, the loan is paid for off.In be qualified for a mortgage, you should have at least 62 years and a private home. This option is for the reverse mortgage for homeowners, the adults are perfect equity rich and poor in cash.



In the case of a mortgage contrast, the equity and debt rises after home owners decreases.Depending what stage of experience, it's important to always, 1st 2nd Mortgage, know your options as a landlord. With the ability to borrow against the property, you can improve the money home, have increased to improve the overall value of your home, or live comfortably, if they have money available, but shares may be in your rental home. Being will be useful in many ways, and the ability, the money is at home one of them.



Always study the terms of the mortgage, and always with a qualified and reliable source.John R Blake Field is a mortgage and real estate specialists. For more information, articles, news, tools and valuable resources for home mortgages or investment loans, refinancing, debt solutions, visit this page:

Tuesday, January 26, 2010

1st 2nd Mortgage - Loan Comparison: Interest Only Home Equity Loans Versus Balloon 2nd Mortgage

With just woken home equity loan interest? This is a loan where the loan principal is not returned to pay only the interest each month. The client can be borrowed presented in 10, 15 or 20 years. The, 1st 2nd Mortgage,, 1st 2nd Mortgage, borrower can choose the number of basic communication principal.Interest reduced in the future mortgage payments can only variable rate (ARM) or fixed interest rate. Fixed rate mortgage rates will be a charge for the duration of the loan. ARM mortgage to a fixed interest rate, which is initially for six months and then increase that number, or fall on the index, the rate of the first or five-year Treasury officer rate.



A second balloon a short-term, 1st 2nd Mortgage, mortgages with fixed interest rates. Balloon mortgages require the repayment of principal and interest. Monthly repayments are not based on a five loan years, but longer duration is 30 years. Balloon mortgages must be refinanced every five years by the debtor and subject to sharp increase rates.One interest benefits of the second ball to reduce the monthly payments, additional funds for debt consolidation and repair of dwellings to be done. With lower monthly payments homeowners more money in the budget for other expenditures.



If a balloon mortgage, which will be repaid in five years, and the hand on the 5 / 20 loans and loans must be refinanced within five years. Second ball must be financed by a mortgage new second mortgage, lines of credit or capital at the expense of the debtor. ARM mortgages reset with a mechanical procedure for adjusting rates, as indicated in the original contract, and a limit on the value of the interest rate can increased.Currently rates on balloon mortgages are generally lower rates on ARM mortgages.



If you think that the prices will be lower than five years were convinced, is the balloon mortgage, 1st 2nd Mortgage, is a wise choice. If someone is not confident about the future security that the interest rates, the maximum interest rate on up to five years in the future is going to cost an arm directly over mortgage.Both cost second mortgages that may work for the loan in negative amortization 1st Position, while I move as a broker or lender interest on the loan. Check to ensure you are in the equity financing in order that you get at home, number of credit or second mortgage for the ARM payment.



If we have a crystal ball to look into the future had, the comparison would have been easy. In a scenario with 15% interest rate ARM is a wise choice, whereas in the scenario with a 5% interest rate balloon mortgage is a wise choice. Unfortunately, the uncertainty about future interest rates is clear that there is some risk in this decision.



Sunday, January 24, 2010

1st 2nd Mortgage - Property Already Secured But Still Need Loan: Go For 2nd Mortgage Loans

As a rule providing loans (in most cases his house as collateral). Currently, the loans after the loans, offering her house as collateral, the borrower again need money to pay the loan or costly for other unavoidable problem. In this case, if the house is already provided by the borrower if the borrower has once again put his house as collateral a new loan that will be called to obtain a second mortgage secured. The second mortgage is in the second title. 2 subordinated mortgage loans there are a 1 mortgage.



A second mortgage against your property, which has already received one. That is, the second mortgage is made in addition to existing guides 1st This loan will be used by real estate with a bond as an instrument for the repayment of debt, secured. 2 credits, also known as subordinated mortgage loans and equity. Second mortgages are held in the 2nd Position taken on behalf of the borrower, 1st 2nd Mortgage, property.Difference 1 to 2 guides mortgageIf to 2 credits, the first mortgage lender is until the second payment of the mortgage loans in which the assets are distributed paid from the library.



Given the risk factors added, 1st 2nd Mortgage, to these junior liens home, most lenders higher interest charges in addition to the consumer to the borrower at an interest rate, 1st 2nd Mortgage, higher than 1 charge have been proposed by a mortgage guidelines, 2 nd taken: Purpose Money from a second mortgage can be used for all be used. However, the majority of borrowers use the money received by 2 mortgage loans to consolidate debt, pay for repairs or the school fees for their children. Whatever you decide to do the loan, it is important to remember that if you default on your payments, you could lose, so that your home, make sure you take a loan for a decent purpose.



2nd Mortgage Loan: Loan amount of the loan and want to Cost2nd as riskier than 1 mortgage, and therefore offer most lenders 2 leads to a higher interest rate. 2 is a fixed interest rate mortgages and adjustable. 15 on the schedule for the repayment of the 2 most common condition for a refund. Lenders offer worth up to 125% of the cost of equity. But the amount of the loan also depends on the profile of the borrower. Moreover, from the 2nd Mortgage loans as risky, is the vendor to pay higher interest rates to the growth of mutual benefit to be offset risk.



Another seconds, you can pay interest on the loan to be passive. Ask your tax advisor regarding your personal situation, but in most cases the interest is 100% fully deductible, until the value of credit from 1 p.m. to 2 a.m. the mortgage does not exceed the value of your home. Features second mortgage Loan1No first check2in principle of allocation of credit points within 24 pricing4Rate hours3Customized barred when choose5can consolidation days6Amount all debts into new loans in business 3 and the interest rate is subject to the mortgage borrowers profile2nd: EligibilityAccepting to accept or reject applications 2 applications higher on the interest rates on mortgage loans will depend on the profile of the borrower.



Therefore, several factors are considered when examining applications for loans are: Can 1Verification time income2Full payments4Any record employment3Previous recommendationSteve Clark tell you how to look better, live better and breathe better by writing, 1st 2nd Mortgage, proposals to improve on finances.He loans. His ideas can help to see a rejuvenation money.To Personal loans UK, secured loans, unsecured loans visit

Friday, January 22, 2010

1st 2nd Mortgage - Bill Consolidation Tips: Best 2nd Mortgage & Equity Loans for Debt Consolidation

With the new bankruptcy law is currently doubling the business in October of last year for issuers of credit cards to their minimum payments. For people who are at the limit of their financial constraints, can be devastating. The new law also more expensive and time consuming to file for bankruptcy, consumers are looking for alternative ways to alleviate the debt burden. According to Fair Isaac & Co., for the repayment of the balance on your credit card with 34% FICO score may increase almost 20 points.



Imagine how much more is possible, and turn it off completely, especially if you refrain from their use. These home loans are very popular options, the high-interest debt into a mortgage with lower payments increase. If you have a good credit can qualify for a loan without personal guarantees. Credit unions offer lower prices, 1st 2nd Mortgage, than banks offer. However, credit unions are much less with credit programs. They do not give loans to 125% seconds, and usually only go up to 90% CLTV, with credit.



If good that I am a landlord, why are not working capital for you? Even when interest rates rise, you can get lower prices, compared with 20% who now pay more issuers of credit cards. If you have an Adjustable Rate Mortgage (ARM), fixed-rate mortgage refinancing mortgage can here for you. Even with interest rates rising, is still profitable than the prices might soon begin after the adjustment. If you have a second mortgage (home equity loan or equity line of credit), you can save money by combining 1 a.



m.-2 p.m. at the same time, mortgage refinancing to cash to consolidate debt. If the price and terms on existing mortgage is good, the second mortgage is the best choice for you. Credit terms are usually over 15 years, which gives you time to his feet financially. If you have a variable interest rate of 2 guides, you should consider refinancing 2nd You can money.Simple mortgage rates or standard? If two loans are exactly the same, but a simple interest, you can pay more interest if you regularly check the monthly payment before the deadline.



Standard mortgage is calculated on a monthly basis, not as a simple mortgage everyday. So, if you are late, but, 1st 2nd Mortgage, within the grace period for a standard mortgage, the rate unchanged. With a simple mortgage, then you will additional interest for each day of delay, which is ready to pay run.Maria Ny included a recognized free-lance writer from San Diego. He has published many articles, which extends a broad range of topics of debt consolidation, bankruptcy reform, funding for the repair of public subordinated debt securities.



Check out his useful articles in the online mortgage BA seconds. You can learn more about the financing of credit card debt and other decisions of the loan debt consolidation loan. Get a free quote, a loan for 125% mortgage second, 1st 2nd Mortgage, home. We offer more information and learn more about the rules for the consolidation loan debt into equity, which could contribute, 1st 2nd Mortgage, to the monthly payments by lowering your high credit interest rate on debt

Monday, January 18, 2010

1st 2nd Mortgage - Refinance or Second Mortgage? Combining 1st & 2nd Mortgages Together

I had my last conversation with one of my client, Mr. Jackson, the financially sophisticated, 1st 2nd Mortgage, homeowners from Virginia Beach, Virginia. She asked an interesting question, which, 1st 2nd Mortgage, I share with you because it seems common dilemma for many homeowners, 1st 2nd Mortgage, states.What best decision to refinance my first and second mortgages? Mr. Jackson has a "6% 1 I have developed a mortgage with a balance of $ 255,000, and a second mortgage at 14% with a balance of $ 52,500.



We have a second mortgage to pay 125% up to a certain credit card, 1st 2nd Mortgage, . If I add credit, we have exceeded our real estate equity as the property is the value of $ 280,000. We are satisfied with the 1st rate mortgage, but we want to reduce the rate for second mortgages. years have passed since we 2 credits in 2002 was, and it is important to appreciate our home has risen to $ 325,000. "He continued:" I was the second of a refinancing and try to get a lower rate, or should I refinance 1 .



and 2 leaders, 1st 2nd Mortgage, together for a mortgage payment? Wow, what a good question. I enjoyed my clients increase their credit card debt with a fixed interest rate. He was very happy with your monthly savings of up to 125% of the loan, as they would Assets exceeded, does not believe that the refinancing of loans, while the hood has increased substantially in the vicinity, 1st 2nd Mortgage, of the cost of housing. Now that his house has its value is increased, the combined loan value of less than 100%.



parameters of the refinancing was significantly higher with the increase in home equity appreciation.I asked Mr. Jackson some questions that I could help him, the best solution. What is your credit card? Do you know your credit score? Is there a prepayment Sanctions against the second mortgage? your first mortgage with a fixed interest rate? Jackson quickly clarified: 689 Rating No credit prepayment penalties in the amount after 3 years and 1 guide to 6% with a 30 years fixed rate.Combining first and second mortgage loans through a loan can be complicated, but in times of financial terms, but also be practical.



When Jackson was the best option to leave in peace but his first mortgage to 125% of equity, refinance loans with 95 to 100% second mortgage to reduce monthly payments. So Mr. Jackson was approved for a loan at a fixed rate 2nd I asked for a home equity line of credit, but I reminded him that have adjustable rates that have risen sharply in recent years. Since I have a long-term repayment of loans a bond with a fixed interest rate of simple interest was the only way. I am excited by Mr. Jackson, because we managed to get it approved for a loan without a prepayment penalty in the amount, and we were able to reduce the cost of closure, because his score.



Depending Credit Program Home Equity, 2 guides can cost several thousand dollars in closing costs. Most include costs subject to the tax and the minimum bet will pay off in the long run. For example, a 15-year period, you must moves the cost of a second mortgage for several years, so if you get 1% or more, some pay more closing costs, which is better than a loan with no points would go home. lending reality is that it does not make sense any collect a fee, mortgage 2 credit scores above 700, and a total value of the loan will probably be less than 90%.



If you can a second mortgage with no penalty for getting an early return, we find that the function of your loan, because if the value of your home continues to increase, then one or two years, you may be ready to refinance, because you return to the golden 80% of the loan combination. 1 If mortgage rates fall again to connect, then in an ideal position can be around, Finally, both loans together. If the 1-st-rate mortgage fell to 6% of the area and is still intend to live in your house for many years to come, and then make a transition to refinance.



It works on everything what prices do when the time comes.Lynda Nelms wrote a popular column called "Ask Linda" where he offers advice for consumers at home, from the perspective of an experienced loan. He wrote some popular articles from 2004 and 2005 for http:/ / www.MortgageLoanOutlet.com and then continue on its recommendations to finance other pre-sources.Currently relation Linda credit for BD Nationwide Mortgage, based in San Diego, California. You can read more "Ask Linda Notes?" article on the