August 14th, 2009 
Cindy Boris
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GUND BEAR BORIS SINGS UGA CHUCKA I’M HOOKED ON A FEELING & DANCES SINGING FISH $10.00 |
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Boris Fisherman Musical Bear Gund Plush Toy Stuffed Animal Fishing Singing BNWT $52.00 |
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Gund Boris 14370 NWT animated Fisherman Hunter bear 014370 FREE SHIPPING!! $25.00 |
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Hamleys London Heritage Bears Collection Boris 15″ Jointed arms and legs w Tag $0.99 |
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Hamley’s Heritage Bears Collection (Boris and William) $25.00 |
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Boris the Fishing Singing Dancing Bear – Animated – Cabin Lodge Decor – fish $15.99 |
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Boris The Singing Fishing Bear $32.99 |
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Retired Boyd’s Bear: Boris Berriman with Toboggan Hat $12.50 |
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GUND – BORIS, THE FISHING BEAR – NWT $19.80 |
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BORIS Mohair Miniature 5″ Artist Teddy by Elfi Kern of Emi Baer in Austria OOAK $50.57 |
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Gund 14″ Boris Fishing Bear He Sings & Moves NEW $11.99 |
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Singing/Animated BORIS the Bear & Fish Plush GUND MWT $24.94 |
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Boris The Singing Dancing Fisherman Bear FATHER’S DAY! $18.99 |
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BOYDS BEARS PLUSH ” BORIS” NEW & MINT W/ TAG $45.99 |
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Introducing Boris The Singing Fishing Bear $24.95 |
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Boyd’s Teddy Bear & Bunny Rabbit w/ Hang Tags Boris Berriman & Hailey LOT (2) $8.99 |
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HARRODS GORGEOUS BORIS BEAR BNWT GREAT CHRISTMAS GIFT $20.46 |
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New Boyd’s Bears J.B. Bean Collection Boris Berriman 918021 Mint Condition $16.00 |
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BOYDS PLUSH BEARS BORIS & NATASHA BERRIMAN BOY/GIRL MWT $11.95 |
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BOYDS BEARS BEAR~BORIS BERRIMAN~SO CUTE IN WINTER HAT $13.99 |
Stop and Reverse the Real Estate and Mortgage Crises
This is a well know fact that when Treasury bonds prices are going up and the yields of this Treasury bonds are going down the long term mortgage fixed rate is going down as well. Let me explain why this is happen. It is not a secret (and specially now) that Fannie Mae and Freddie Mac are publicly traded and Government subsidized secondary market mortgages buying companies. Freddie and Fannie provide banks with fresh money to make new loans at affordable rates by buying billions of dollars of mortgages each month from approved lenders that do residential mortgages. Some of these mortgages are sold to investors as mortgage-backed securities (MBS); others are kept by the companies as investments. MBS are consist of groups of seasoned mortgages and are sold to investors at the discount prices. One of the major factors of the MBS discount is depending on the money surplus which is in turn depending on sale of the Treasury bonds. In simple the more money the Feds get from the sale of Treasury bonds the more money they would have available to lower the mortgage rate. So now we understand that we have to increase the prices and decrease the yields of Treasury bonds. The following is the most important part of my plan that will take us out from crises and will bring us back to the Real Estate and economical boom for that matter.
God Blass America! I don’t know any other country in the world that has an income tax privilege as IRA. We all know that if we put $2,000 to IRA account we can deduct this amount from our income tax. My idea is simple: Let the Feds issue a new rule to provide the same tax privilege to Treasury bonds buyers. In other words if an individual buys let’s say $2,000 worth of Treasury bonds s/he can deduct this amount from the income tax (this could be in addition to IRA or instead of IRA). Providing that the Treasury bonds will have the same tax benefits as they have right now I am sure these Treasury bonds will become in a big demand, driving their prices up and up. So let’s see again: The prices of Treasury bonds will go up; the yield of the Treasury bonds will go down, driving long term mortgages fixed rate down. We need to bring a 30 year fixed rate mortgage to a 3% interest!!! Just imagine what this kind of mortgage interest will do to the Real Estate and mortgage industry. Most of the home owners will refinance their mortgages. I suggest that people with poor credit still would be able to get lower rate, let’s say one percent higher than people with good credit. I also suggest that sub-prime mortgages will be modified to conventional mortgages with PMI (private mortgage insurance) rules apply. If some houses won’t have enough equity for conventional refinancing it will be just a matter of time. With this kind of mortgage rates it shouldn’t take too long to get the value of these houses up. I think that families that had caught by sub-prime mortgage scams and cannot afford to pay the mortgages should get a break anyway by getting low interest mortgages but they would have to sign a Confection of Judgment to release lenders from foreclosure agony.
Besides homeowners the rest of our economy shall benefit too. The investors of Mortgage Back Securities with portfolio of non-performance mortgages will get their money back to reinvest. Real Estate market will get back to its normal activity. Home owners will have more money to spend. Banks will start making money and offering other loans again. Businesses will get the money to increase their activities offering more jobs and more goods. The whole economy will revive reaching to the new higher level.
As anything else in this world there is a couch: The investors (corporations, pension funds, etc) are going to make less money. I have two words for them: Tough luck. So they buy at the bigger discount, it’s still better than Blue Chips (now we know how save they are) or a non-performance mortgages. Besides it’s time for us the hard working American people to get some break we deserve it don’t we?
By: Boris Revzin
ABC Funding LLC
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Tululah Designs 20-Inch by 20-Inch Priya Paisley Print Napkin, Boris Brown, Set of 4 $15.99 Tululah’s Priya Paisley 100-Percent cotton napkins have a 1-Inch mitered hem. Coordinating tablecloths are available. Machine wash and dry. Imported… |
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Boris Karloff As the Mummy Stamp Magnet $2.99 new in Package never displayed… |
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1997 Universal Studios Licensing, Inc. Ward Productions, Inc. Bullwinkle & Rocky w/ Boris & Nastasha Small Mini-Size Tin Metal Lunchbox $99.99 1997 Universal Studios Licensing, Inc. Bullwinkle & Rocky w/ Boris & Nastasha Small Mini-Size Tin Metal Lunchbox… |
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The Who: The Ultimate Collection $12.96 The Who’s mighty catalog of beautiful, poignant, and often silly pop songs bashed out with Cassius Clay finesse has suffered in the past at the hands of multiple, butcher-shop best-ofs and horrible packaging. But this thrilling band–undeniably one of ye classicke rocke’s greatest–gets the career-spanning entry-point compilation it deserves with the double-disc Ultimate Collection. The songs incl… |
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Prokofiev: Peter & the Wolf $4.02 All products are BRAND NEW and factory sealed. Fast shipping and 100% Satisfaction Guaranteed…. |
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Elvis 75th Anniversary DVD Collection (17 Films including Elvis on Tour / Jailhouse Rock / Viva Las Vegas / It Happened at the World’s Fair and This Is Elvis) $54.15 The novelty backdrop of the 1962 Seattle World’s Fair lends wonderful space-age scenery to this Elvis vehicle. The King co-stars with a pre-2001 Gary Lockwood as freelance pilots stranded in Seattle, where Elvis spends more time babysitting a little kid than panting after ostensible love interest Joan O’Brien. There’s more plot than usual for a Presley picture, which in this case is not a good thi… |
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Eastern Promises $2.99 … |
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Star Trek VI: The Undiscovered Country $2.99 … |
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Men in Black [Blu-ray + BD-Live] $11.44 This imaginative summer comedy from director Barry Sonnenfeld (Get Shorty) is a lot of fun, largely on the strength of Will Smith’s engaging performance as the rookie partner of a secret agent (Tommy Lee Jones) assigned to keep tabs on Earth-dwelling extraterrestrials. There’s lots of comedy to spare in this bright film, some of the funniest stuff found in the margins of the major action. (A scene… |
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Boris From The Table Lamp By Visual Comfort Boris Table Lamp from the Alexa Hampton collection…. |
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