Tuesday, May 21, 2013
Monday, May 20, 2013
Official Story Has Odd Wrinkles: A Pack Of Questio...
Juicing and Raw Foods: Official Story Has Odd Wrinkles: A Pack Of Questio...: By Dave Lindorff on May 20, 2013 The horrific bombing of the Boston Marathon, to hear the FBI and the Boston Police tell it, is solved:...
Housing bubble scams and realtor hustlers
Is a $400,000 house with NINJA loan normal?
How about a $200,000 REO with missing appliances, a dead yard, a long list of maintenance and no financing?
Maybe normal is a $300,000 flip after the flipper fixed everything and colored up the yard, and did some upgrades to the interior.
Some may suggest that normal is more like a $300,000 sale with a 5.5% fixed rate and 20% down.
Then again, it may be more normal if this $300,000 sale is financed with a 3.5% down FHA loan at 4%.
Of course, all of the above is actually referring to the same house.
So what is normal? Analysts and economists have long accepted household formation, population and job creation as the basis for housing supply and demand. There was a study (I can't seem to locate) that showed that there is no correlation whatsoever. I am going to borrow a chart from my cyber friend Calculated Risk as an illustration:
Housing starts, total and one unit structures – click to enlarge.
I think I am going to leave it to the Wharton grads to explain how population and employment fit into the above erratic housing starts chart. In fact, if you use employment as a factor, then we should be tearing down a few million houses since we have lost about 6-7 million jobs since the great recession. If population is a factor, then I suggest you invest in Cairo where the population is definitely growing much faster than that of Silicon Valley.
Is it normal that Wall Street is buying up all these houses? Wall Street OPM ('other people's money') is not only buying up all existing homes, now it is squeezing out the buyers for new homes as well. The numbers work exactly the same way for new and existing homes. The builders would far prefer a no-contingency cash offer with no commissions, no lender fees and no marginal buyers that they have to coach into qualifying. In other words, builders can take a lower offer from Wall Street and still be as profitable as when they are selling to mom and pop.
Is this good housing policy? Of course not. Where are the policy makers? Just like Greenspan during the sub-prime era, Bernanke is like a deer frozen in the headlights. He is busy with his QEs and claiming there is a housing recovery, while he should actually be busy writing his memoirs entitled: "I did not see it coming."
So what is normal? Logically, the past is only relevant if conditions in the future are expected to be similar. We know that with aging baby boomers, housing demand will be substantially different than when the same boomers were at the peak of their productive years. Should the demand rather be for duplex type constructions or grannie flats, as the boomers try to juggle taking care of elderly parents and boomerang kids?
Current economic conditions should also present a different outlook. For example, with youth unemployment so high, with student loans in the trillions, there is no reason why first time home purchases should not be delayed. It seems to me the worst thing policy makers can do is to give this group even more credit, especially long term credit like a 30 year mortgage that will entrap them forever.
However, I believe the new normal is going to be intervention. Here is a recent speech by Fed Governor Elizabeth Duke, entitled "A View from the Federal Reserve Board: The Mortgage Market and Housing Conditions"
This speech is significant because Duke usually labels herself as the Federal Reserve's main voice on housing.
Since joining the Board in 2008 amid a crisis centered on mortgage lending, I have focused much of my attention on housing and mortgage markets, issues surrounding foreclosures, and neighborhood stabilization.
For those who follow the housing market, I believe this speech is a must read. It provides insight into the data that the Fed is looking at and the Fed's understanding, or misunderstanding, of the real estate market. They seem to be overly concerned about lending to borrowers with low credit scores (emphasis mine):
“The drop in originations has been most pronounced among borrowers with lower credit scores. For example, between 2007 and 2012, originations of prime purchase mortgages fell about 30 percent for borrowers with credit scores greater than 780, compared with a drop of about 90 percent for borrowers with credit scores between 620 and 680 (figure 6).5 Originations are virtually nonexistent for borrowers with credit scores below 620…
[….]
At the Federal Reserve, we continue to foster more accommodative financial conditions and, in particular, lower mortgage rates through our monetary policy actions. We also continue to monitor mortgage credit conditions and consider the implications of our rule makings for credit availability. For your part, I urge you to continue to develop new and more sustainable business models for lending to lower-credit-score borrowers that lead to better outcomes for borrowers, communities, and the financial system than we have experienced over the past few years.”
Governor Duke has completely forgotten about the sub-prime disaster. A low credit score is not a given, it is earned. A borrower must carry some balance, miss a few payments or even default on a few loans before they can garner a 620 or lower credit score. The last thing that sub-prime borrowers need is more debt, something that they have proven they cannot manage.
At the moment, we know prices are going up in certain markets, and so are sales. Mortgage rates are higher now than when QE3 started in September 2012. Investors are gobbling up everything in sight in their favored target markets. As an example, they are buying 30% of the houses in Southern California, 38% in Phoenix and 53% in Vegas. First time buyers do not stand a chance, especially if their credit score is an iffy <620 a="" are="" consequences="" contingency="" creative="" declining.="" do="" even="" going="" happy="" harp="" home="" intended="" is="" makers="" making="" more="" most="" of="" offer="" or="" ownership="" percentage="" policies="" policy="" principal="" public="" qe="" reduction="" results="" seller.="" something="" the="" their="" these="" to="" unattractive="" unintended="" what="" with="">
In my opinion, there will definitely be more intervention. Intervention is the new normal.
How about a $200,000 REO with missing appliances, a dead yard, a long list of maintenance and no financing?
Maybe normal is a $300,000 flip after the flipper fixed everything and colored up the yard, and did some upgrades to the interior.
Some may suggest that normal is more like a $300,000 sale with a 5.5% fixed rate and 20% down.
Then again, it may be more normal if this $300,000 sale is financed with a 3.5% down FHA loan at 4%.
Of course, all of the above is actually referring to the same house.
So what is normal? Analysts and economists have long accepted household formation, population and job creation as the basis for housing supply and demand. There was a study (I can't seem to locate) that showed that there is no correlation whatsoever. I am going to borrow a chart from my cyber friend Calculated Risk as an illustration:
Housing starts, total and one unit structures – click to enlarge.
I think I am going to leave it to the Wharton grads to explain how population and employment fit into the above erratic housing starts chart. In fact, if you use employment as a factor, then we should be tearing down a few million houses since we have lost about 6-7 million jobs since the great recession. If population is a factor, then I suggest you invest in Cairo where the population is definitely growing much faster than that of Silicon Valley.
Is it normal that Wall Street is buying up all these houses? Wall Street OPM ('other people's money') is not only buying up all existing homes, now it is squeezing out the buyers for new homes as well. The numbers work exactly the same way for new and existing homes. The builders would far prefer a no-contingency cash offer with no commissions, no lender fees and no marginal buyers that they have to coach into qualifying. In other words, builders can take a lower offer from Wall Street and still be as profitable as when they are selling to mom and pop.
Is this good housing policy? Of course not. Where are the policy makers? Just like Greenspan during the sub-prime era, Bernanke is like a deer frozen in the headlights. He is busy with his QEs and claiming there is a housing recovery, while he should actually be busy writing his memoirs entitled: "I did not see it coming."
So what is normal? Logically, the past is only relevant if conditions in the future are expected to be similar. We know that with aging baby boomers, housing demand will be substantially different than when the same boomers were at the peak of their productive years. Should the demand rather be for duplex type constructions or grannie flats, as the boomers try to juggle taking care of elderly parents and boomerang kids?
Current economic conditions should also present a different outlook. For example, with youth unemployment so high, with student loans in the trillions, there is no reason why first time home purchases should not be delayed. It seems to me the worst thing policy makers can do is to give this group even more credit, especially long term credit like a 30 year mortgage that will entrap them forever.
However, I believe the new normal is going to be intervention. Here is a recent speech by Fed Governor Elizabeth Duke, entitled "A View from the Federal Reserve Board: The Mortgage Market and Housing Conditions"
This speech is significant because Duke usually labels herself as the Federal Reserve's main voice on housing.
Since joining the Board in 2008 amid a crisis centered on mortgage lending, I have focused much of my attention on housing and mortgage markets, issues surrounding foreclosures, and neighborhood stabilization.
For those who follow the housing market, I believe this speech is a must read. It provides insight into the data that the Fed is looking at and the Fed's understanding, or misunderstanding, of the real estate market. They seem to be overly concerned about lending to borrowers with low credit scores (emphasis mine):
“The drop in originations has been most pronounced among borrowers with lower credit scores. For example, between 2007 and 2012, originations of prime purchase mortgages fell about 30 percent for borrowers with credit scores greater than 780, compared with a drop of about 90 percent for borrowers with credit scores between 620 and 680 (figure 6).5 Originations are virtually nonexistent for borrowers with credit scores below 620…
[….]
At the Federal Reserve, we continue to foster more accommodative financial conditions and, in particular, lower mortgage rates through our monetary policy actions. We also continue to monitor mortgage credit conditions and consider the implications of our rule makings for credit availability. For your part, I urge you to continue to develop new and more sustainable business models for lending to lower-credit-score borrowers that lead to better outcomes for borrowers, communities, and the financial system than we have experienced over the past few years.”
Governor Duke has completely forgotten about the sub-prime disaster. A low credit score is not a given, it is earned. A borrower must carry some balance, miss a few payments or even default on a few loans before they can garner a 620 or lower credit score. The last thing that sub-prime borrowers need is more debt, something that they have proven they cannot manage.
At the moment, we know prices are going up in certain markets, and so are sales. Mortgage rates are higher now than when QE3 started in September 2012. Investors are gobbling up everything in sight in their favored target markets. As an example, they are buying 30% of the houses in Southern California, 38% in Phoenix and 53% in Vegas. First time buyers do not stand a chance, especially if their credit score is an iffy <620 a="" are="" consequences="" contingency="" creative="" declining.="" do="" even="" going="" happy="" harp="" home="" intended="" is="" makers="" making="" more="" most="" of="" offer="" or="" ownership="" percentage="" policies="" policy="" principal="" public="" qe="" reduction="" results="" seller.="" something="" the="" their="" these="" to="" unattractive="" unintended="" what="" with="">
In my opinion, there will definitely be more intervention. Intervention is the new normal.
Friday, May 17, 2013
Tuesday, May 14, 2013
Monday, May 13, 2013
Do The Many Really Have to Obey the Few? Asking Permission From the Government
by Jan Fox
via Waking Times
I remember in grade school that some of the boys in class were being disruptive by talking and the nun told us all to stand and put out our hands so she could smack our hand with a ruler. About half the class stood up and put out their hand but when they saw that the rest of us were still sitting at our desks they slowly sat back down. The bewildered nun didn’t know what to do and finally told us to open our books.
That’s what happens when a person in authority threatens you and you all stand up to them. They expect you to obey and when you don’t they back down. In other words, they are nothing more than the school yard bully.
The government is so out of control and making laws that are insane. People are now being fined for the simplest things. Remember the slogan, “Buckle Up – It’s the Law”. You can be fined for not wearing a seatbelt in your own car. You can be fined for using a rain barrel to save water to irrigate your small garden in the back yard; you can be arrested for selling raw milk which has been a staple for thousands of years. You can be fined or arrested for photographing the police abusing someone and your camera confiscated. The government mandates you get vaccines for your babies and children when legitimate research tells you it is harmful. A woman was fined $81 for parking her car with the windows rolled down. The police classified it as an unsecured vehicle that could easily be broken into. Another woman was recently fined for growing a small garden in her front yard. What would happen if we all planted a small garden in our front yard? Actually, that might not be a bad idea. We would have some GM free veggies. Are you really going to obey these ridiculous rules or laws? If you do they will keep adding more.
The elite think they can rule you by starting out slowly. I’m sure you’ve heard the story of putting a frog in a pan of lukewarm water and then slowly heating it up and the frog doesn’t realize that he is being boiled alive until it’s too late to get out of the pot. Mostly that’s what the government does to us. First one license or fine which they got away with, then another, then another, and now we have well over a hundred different licenses we are required to obtain and fines we are expected to pay. Another manner in which the government controls you is by fear.
The government tells us the laws are for our safety. They won’t label GM food because they know it will harm your health; even the wild animals won’t eat it; rats fed Monsanto GM corn developed shockingly large cancer tumors. They add sodium fluoride to our water and to our toothpaste which is a rat poison; they fill our skies with chemicals, they fill the atmosphere with all sorts of radiation including cell phone towers. If they are for our safety, why do they hide many of those health-threatening cell phone towers in trees, and church steeples and crosses, water towers, and schools? I’ve even seen them in palm trees. Churches and schools love these because they generate big bucks. Dr. Mercola (certified network asset for the covens) states on his website:
As school budgets shrink, some are getting money from an unlikely and controversial source: cell phone tower installations. Local schools can make hundreds of thousands of dollars from leases on towers.
Why did you get a marriage license? Most people get one because everyone else does; it’s the norm; it’s the law. My research showed the first marriage license was issued in 1856 in Shawnee, Kansas. So since the beginning of recorded time it was the norm to marry without a license until 1856.
Were Adam & Eve married? Did Adam & Eve need a license, the authorization of some man or government? It is plain to see that God recognizes a couple as married when they “cleave unto” each other. Genesis 2:23-24 (not when a government gives them a license/permission).
Did you know there are Pastors who will marry without a marriage license and they are more common than you think? All you have to do is go online or open up your local phone book and call the numbers in the churches section. Sooner or later you will find a man of God who hasn’t sold his soul applying for a 501(c) corporate status with the IRS and who believes that there ought to be a separation between church and state and marriage and state.
Pastor Trewhella of the Mercy Seat Christian Church in Wisconsin stated;
“You should not have to obtain a license from the State to marry someone anymore than you should have to obtain a license from the State to be a parent, which some in academic and legislative circles are currently pushing to be made law”. ~ mercyseat.net/marriagelicense.html
When Pastor Trewhella marries a couple, he always buys them a Family Bible which contains birth and death records, and a marriage certificate. Record the marriage in the Family Bible. What’s recorded in a Family Bible will stand up as a legally binding document in any court of law in America. Both George Washington and Abraham Lincoln were married without a marriage license. They simply recorded their marriage in their Family Bibles. So should we. What happens if no one acquires a marriage license from the government? Well, outside of the obvious, we wouldn’t have to ask permission from the government to get a divorce.
If every American refused to obey these insane laws what will the elite do? The same thing as the nun or the school yard bully when not obeyed – brute force and if that doesn’t work, they will back down. Just like the schoolyard bully who takes your lunch money every day. A day comes when you tell him “no” and he beats you up. You don’t give him your lunch money the next day and he beats you up again. Then he looks for someone else who will ‘obey’ him. Where would that school yard bully be if no one gave him their lunch money? Where would the government be if no one asked for permission and never got another license or paid another fee or fine?
Let me clarify what a license or permit is. It is simply asking permission from the government and paying the government a fee for what we have every God-given right to do in the first place – for free, without asking anyone for permission. Burn that statement into your mind. Memorize it, use it as a chant. If that’s not bad enough, we must renew many licenses’ periodically and pay again and again. What if we all decided we would no longer get or renew our driver’s license and pay them for the right to drive our own car? What if we all stopped getting a license of any kind? They could fine us. But what if we didn’t pay the fine? We might go to jail. Where do a few get off telling the many we can’t get married, defend ourselves, or drive a car or go fishing or hunting or any of our other God-given rights without their permission? I don’t need the government to give me permission to purchase a gun to defend myself. Why aren’t you outraged? Just because you grew up under these insane rules and you accepted them as normal you don’t have to obey them anymore. They aren’t normal; they’re insane; you are obeying insane laws. You don’t have to stand up and put your hand out so the nun can whack it with a piece of wood or give your lunch money to the school yard bully anymore. Like the frog, you’re slowly being boiled.
Every permit, every license, and every birth certificate has a number on it. You even have a social security number. Have you ever asked why you and everything you do has a number on it? It’s to keep track of you, what you do, where you do it and when you do it. If you move you have to notify various government agencies of your new address. Why is that? Why isn’t just notifying the post office of a change of address enough?
Why can the government get away with these insane laws and fines? For several reasons. You do what you’re told because you believe it to be the norm; it’s what everyone else does. That doesn’t make it right. Another reason people follow these ridiculous laws is because of fear. If I don’t get my children all the vaccines the government mandates my children won’t be able to get into school and I fear the law will come down on me, maybe arrest me and put my children in Children’s Services. I must get this flu shot because if I don’t I fear I will get the flu. Besides, my doctor told me to get a flu shot, television told me to get the flu shot, the local drugstore advertises the flu shot. I believe the reason my classmates sat back down when they saw the rest of us still sitting is because they feared us more than they feared the nun with her little ruler.
If a slave owner can tell his slaves what to do, what does it mean when the government tells you what you can do? It means you’re a slave to the government. Yes, it’s the same government that tells you that you are a free man living in a free country.
There is a story about two frogs hopping down a country road and they happen to hop into a bucket of fresh milk. They begin thrashing about and swimming in the milk and the older one got really tired and gave up and died. The younger one kept on swimming until he felt something solid under his feet and hopped out. (No, it wasn’t the body of the dead frog!) He thrashed so much and so long he turned the milk into butter.
The moral of the story is “there are butter days ahead”…if we all decide NOT to OBEY.
If we all stop obeying these insane rules the government places upon us, there will be better days ahead with true freedom, but you gotta fight for it by being passive – by not obeying – by not applying for anymore licenses and paying them a fee and obeying them. Freedom is not going to come softly in the night while you sleep. Don’t leave it for the “other” guy. Remember, you are the “other” guy to everyone else.
via Waking Times
I remember in grade school that some of the boys in class were being disruptive by talking and the nun told us all to stand and put out our hands so she could smack our hand with a ruler. About half the class stood up and put out their hand but when they saw that the rest of us were still sitting at our desks they slowly sat back down. The bewildered nun didn’t know what to do and finally told us to open our books.
That’s what happens when a person in authority threatens you and you all stand up to them. They expect you to obey and when you don’t they back down. In other words, they are nothing more than the school yard bully.
The government is so out of control and making laws that are insane. People are now being fined for the simplest things. Remember the slogan, “Buckle Up – It’s the Law”. You can be fined for not wearing a seatbelt in your own car. You can be fined for using a rain barrel to save water to irrigate your small garden in the back yard; you can be arrested for selling raw milk which has been a staple for thousands of years. You can be fined or arrested for photographing the police abusing someone and your camera confiscated. The government mandates you get vaccines for your babies and children when legitimate research tells you it is harmful. A woman was fined $81 for parking her car with the windows rolled down. The police classified it as an unsecured vehicle that could easily be broken into. Another woman was recently fined for growing a small garden in her front yard. What would happen if we all planted a small garden in our front yard? Actually, that might not be a bad idea. We would have some GM free veggies. Are you really going to obey these ridiculous rules or laws? If you do they will keep adding more.
The elite think they can rule you by starting out slowly. I’m sure you’ve heard the story of putting a frog in a pan of lukewarm water and then slowly heating it up and the frog doesn’t realize that he is being boiled alive until it’s too late to get out of the pot. Mostly that’s what the government does to us. First one license or fine which they got away with, then another, then another, and now we have well over a hundred different licenses we are required to obtain and fines we are expected to pay. Another manner in which the government controls you is by fear.
The government tells us the laws are for our safety. They won’t label GM food because they know it will harm your health; even the wild animals won’t eat it; rats fed Monsanto GM corn developed shockingly large cancer tumors. They add sodium fluoride to our water and to our toothpaste which is a rat poison; they fill our skies with chemicals, they fill the atmosphere with all sorts of radiation including cell phone towers. If they are for our safety, why do they hide many of those health-threatening cell phone towers in trees, and church steeples and crosses, water towers, and schools? I’ve even seen them in palm trees. Churches and schools love these because they generate big bucks. Dr. Mercola (certified network asset for the covens) states on his website:
As school budgets shrink, some are getting money from an unlikely and controversial source: cell phone tower installations. Local schools can make hundreds of thousands of dollars from leases on towers.
Why did you get a marriage license? Most people get one because everyone else does; it’s the norm; it’s the law. My research showed the first marriage license was issued in 1856 in Shawnee, Kansas. So since the beginning of recorded time it was the norm to marry without a license until 1856.
Were Adam & Eve married? Did Adam & Eve need a license, the authorization of some man or government? It is plain to see that God recognizes a couple as married when they “cleave unto” each other. Genesis 2:23-24 (not when a government gives them a license/permission).
Did you know there are Pastors who will marry without a marriage license and they are more common than you think? All you have to do is go online or open up your local phone book and call the numbers in the churches section. Sooner or later you will find a man of God who hasn’t sold his soul applying for a 501(c) corporate status with the IRS and who believes that there ought to be a separation between church and state and marriage and state.
Pastor Trewhella of the Mercy Seat Christian Church in Wisconsin stated;
“You should not have to obtain a license from the State to marry someone anymore than you should have to obtain a license from the State to be a parent, which some in academic and legislative circles are currently pushing to be made law”. ~ mercyseat.net/marriagelicense.html
When Pastor Trewhella marries a couple, he always buys them a Family Bible which contains birth and death records, and a marriage certificate. Record the marriage in the Family Bible. What’s recorded in a Family Bible will stand up as a legally binding document in any court of law in America. Both George Washington and Abraham Lincoln were married without a marriage license. They simply recorded their marriage in their Family Bibles. So should we. What happens if no one acquires a marriage license from the government? Well, outside of the obvious, we wouldn’t have to ask permission from the government to get a divorce.
If every American refused to obey these insane laws what will the elite do? The same thing as the nun or the school yard bully when not obeyed – brute force and if that doesn’t work, they will back down. Just like the schoolyard bully who takes your lunch money every day. A day comes when you tell him “no” and he beats you up. You don’t give him your lunch money the next day and he beats you up again. Then he looks for someone else who will ‘obey’ him. Where would that school yard bully be if no one gave him their lunch money? Where would the government be if no one asked for permission and never got another license or paid another fee or fine?
Let me clarify what a license or permit is. It is simply asking permission from the government and paying the government a fee for what we have every God-given right to do in the first place – for free, without asking anyone for permission. Burn that statement into your mind. Memorize it, use it as a chant. If that’s not bad enough, we must renew many licenses’ periodically and pay again and again. What if we all decided we would no longer get or renew our driver’s license and pay them for the right to drive our own car? What if we all stopped getting a license of any kind? They could fine us. But what if we didn’t pay the fine? We might go to jail. Where do a few get off telling the many we can’t get married, defend ourselves, or drive a car or go fishing or hunting or any of our other God-given rights without their permission? I don’t need the government to give me permission to purchase a gun to defend myself. Why aren’t you outraged? Just because you grew up under these insane rules and you accepted them as normal you don’t have to obey them anymore. They aren’t normal; they’re insane; you are obeying insane laws. You don’t have to stand up and put your hand out so the nun can whack it with a piece of wood or give your lunch money to the school yard bully anymore. Like the frog, you’re slowly being boiled.
Every permit, every license, and every birth certificate has a number on it. You even have a social security number. Have you ever asked why you and everything you do has a number on it? It’s to keep track of you, what you do, where you do it and when you do it. If you move you have to notify various government agencies of your new address. Why is that? Why isn’t just notifying the post office of a change of address enough?
Why can the government get away with these insane laws and fines? For several reasons. You do what you’re told because you believe it to be the norm; it’s what everyone else does. That doesn’t make it right. Another reason people follow these ridiculous laws is because of fear. If I don’t get my children all the vaccines the government mandates my children won’t be able to get into school and I fear the law will come down on me, maybe arrest me and put my children in Children’s Services. I must get this flu shot because if I don’t I fear I will get the flu. Besides, my doctor told me to get a flu shot, television told me to get the flu shot, the local drugstore advertises the flu shot. I believe the reason my classmates sat back down when they saw the rest of us still sitting is because they feared us more than they feared the nun with her little ruler.
If a slave owner can tell his slaves what to do, what does it mean when the government tells you what you can do? It means you’re a slave to the government. Yes, it’s the same government that tells you that you are a free man living in a free country.
There is a story about two frogs hopping down a country road and they happen to hop into a bucket of fresh milk. They begin thrashing about and swimming in the milk and the older one got really tired and gave up and died. The younger one kept on swimming until he felt something solid under his feet and hopped out. (No, it wasn’t the body of the dead frog!) He thrashed so much and so long he turned the milk into butter.
The moral of the story is “there are butter days ahead”…if we all decide NOT to OBEY.
If we all stop obeying these insane rules the government places upon us, there will be better days ahead with true freedom, but you gotta fight for it by being passive – by not obeying – by not applying for anymore licenses and paying them a fee and obeying them. Freedom is not going to come softly in the night while you sleep. Don’t leave it for the “other” guy. Remember, you are the “other” guy to everyone else.
Sunday, May 12, 2013
The CONTINUING FALLOUT FROM FUKUSHIMA that has yet to stop...
 |
| In the western USA, background radiation is 300% above normal (pre 2011) |
Arizona Man Winds Up Jailed, Unemployed and Homele...
Refreshing News: Arizona Man Winds Up Jailed, Unemployed and Homele...: Raymond Michael was bored this week, so he drove to downtown Phoenix and began walking around, snapping photos of the federal courthous...
Saturday, May 11, 2013
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