KRAM1

The idea that all these homeowners were taken advantage of by the lenders is inane. Some, perhaps so...the vast majority...nope...knew exactly what they were getting into...or did not care to know...all they wanted was that big house. In many cases way way more house then they could afford...and often knew it. Made too too many loans (not on home by the way) where everything was just peachy and keen while the application and negotiation process was going on, but re-payment time came..."what, you mean you actually want me to pay this back?" The best and funniest cases when I was a junior lender and having to collect my own loans were the co-signed loans. ASIDE HERE...never ever...never ever...co-sign a loan for someone unless you are 100% willing to take over the payments as you probably will be called upon to do so. Had co-signers say..."it's not my loan, I just co-signed so he could get the loan", or the best..."go repo the car, sell it and then we can talk about any difference"...my response...nope, not going to repo...he can have it...that's why I have you. You want to sell the car? Go get it yourself and sell it...you just need to pay". That usually got their attention! ha! Other classic is the situation in a divorce where one party thinks that they are removed from having to pay a joint loan just because the divorce judge said the other party had to pay! Ha! Nope...not going to work that way...Judge's order does not negate the debt one signed...they just better hope the other party keeps paying...or they need to go to the bank and negotiate a way to get off the loan. This stuff is too funny, and so many people want to "after the fact" blame the big bad bank! Maybe they should have walked in and just said...hey, big bad bank...no way I am going to let you loan me any money...screw you, I've got the cash! Oh, the stories I could tell about my young days as a front line lender in the "personal loan" world before I moved on to commercial lending and then to management. I still think those early days were the best and most enjoyable I ever had as a banker...really got to help some folks when they needed the help. But, there were always the stories like the above to keep things lively. Interesting that today we are already hearing the moans and groans about how much harder it is to get a mortgage loan. My gracious, one now even has to PROVE the income level they note on an application...hey, it's back to my early days of lending...prove and verify that a person actually can afford the loan! It's Deja Vu all over again! :-) OK...yes, simplified discussion of a very complex situation...best...very best read ever about the whole mortgage crisis thing is Michael lewis' book..."The Big Short". Get it read it! Great stuff.

Who knows...never entered the conversation...the man was so very cock sure and so very adamant that UNT would not win 10 games...I let him set the parameters and the bet level...heck I offered $5,000 to start! I think I was more certain of my position than he was his even from the start...Ha! Hey...we ain't got 10 yet!

Happy Birthday, guys. Hope you have a good one and get to have a few cold ones! Here's to you! Happy Birthday!

Hmmmmmmm...thanks for the layup, but too easy.

No, you pretty much did it to yourself when you set 10 as the number. :-)

Just ask her!

Got you down for a medium. Thanks.

Nope

He said he is looking at buying additional tickets...and wants them near his current seats. Current seats not in play.

Great get it appears by Coach Mac! Welcome to the Mean Green Coach Patrick!

Excellent...excellent! Welcome Coach Patrick!

Excellent, Sir...but what you do is 100% up to you. Want to play? Super as we do still need players...if so, what is your t-shirt size? If you would like to help in other ways as well, we could use some help gathering some silent auction items....gift cards from restaurants are great if you frequent any places and might feel comfortably asking for a gift card donation.... Just let me know what you would like to do...thanks for your participation.

Looks like we will all count it as a win! Waiver for UNT! So, is this win number 10?

Yes it was...

Darn...and there I had a batch of gar eggs ready to go for breakfast tomorrow morning!

Well, yes..we did have an active women's team player ref for us one year...that was a mistake, but no compliance issues resulted. They can play, with permission, but the compliance issues loom high enough that it is just not worth the risk. Former players, no problem. Have tried and tried to involve these folks to a great extent. Had a bit of success when a couple of seniors helped coach and ref. If you can help get a few out that would be great. No problem at all with current players watching.

Dude!

Talking about LSU? Since when was it "promising"? Have you not been paying attention? Kids..... Phew! Oh, forgot....Dude! Dude...dude...that was fast...wasn't even posted before the -1 hit...dude! BTW, Dude..."it" refers to UNT above...Kids...errrr...Dudes these days...lolz.

Independents was also all keg...at least at Oak Street launch party and at the Alumni's Oktoberfest event this last year.

You guys are really stretching. Since none of you were there you really are clueless about it I would think. Just FYI, the mike was out and available to anyone wishing to ask a question. Since there were so few fans attending, I am going to guess no one wanted to ask a question. I had no interest in asking a public question. Got to ask mine in private before, during and after the show. Sort of one of the perks for actually attending. But, any of you who want to come and ask a question, feel free. Usually the loudest board talkers are pretty much the quietest ones in public. They seem to always want someone else to ask the questions. Interesting how that often works. Easy to post on a message board what someone else should do...actually doing it yourself and in public, well not so much. But, the opportunity exists. Come on out next Monday at 6:30 and ask away. Inquiring minds will appreciate your being there to ask.

As has been previously noted...the player coaches are: Andrew and UNT90. It will be a battle of the two extremes... 1) UNT90 where the players can do whatever they want and be completely resolved of any responsibility as they are "just kids" VS 2). Andrew whose players will be required to wAtch no TV and fast for three days before the game to prove they are "real men"... And or "real women". It is definitely a classic in the making! This one is going to be the best of the four games to date!

WOW! Hate to see this, but certainly wish Coach Nelson all the very best in his retirement. I thank you for your service to the program and to the Mean Green Nation. Enjoy the start of your "career" of retirement! Life is great...enjoy it!

Make it a great day...Happy Birthday fellow Mean Green Nation members...appreciate your support for the Mean Green!

Bump...just trying to keep this "top of fold" until after Saturday... FYI...picked up our donation from Miller of Denton today...so, beverages are IN THE HOUSE! :-)

Excellent...thanks...welcome aboard...need your T-Shirt size Please and thank you!