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  1. This is an interesting concept and has some merrit. We are interested in a home in the Royal Oak area but are presently out of town until next week.

    Look forward to hearing ftom you.

  2. Dennis

    on   said 

    I was pointed to this post and was asked to share some information. I’m using this as my primary source:

    There is no minimum age for cyclists that I can see, though I have heard several places recommend 12 years or older.

    Cyclists aren’t allowed to ride more than “two abreast”, that is one beside the other. There are no limits to the numbers, but they have to obey the law.

  3. steve

    on   said 

    There still is confusion over what and who caused the mortgage crisis.

    Wall Street firms created mortgage backed securities, backed by first mortgage loans, that were not backed by any agency of the federal government and now referred to as sub-prime loans. They then went to the rating agencies, S&P and Moody’s, and paid them a fee to get a AAA rating, the highest investment grade. Wall Street sold them to investors, pension funds, banks, insurance companies all over the world.

    Fannie Mae and Freddie Mac also created mortgage backed securities starting in the early 1970’s. These securities did have the full faith and credit of the United States. These securities worked fine until the market was flooded with sub prime loans, which in turn drove down the value of homes as borrowers using these sub prime loans defaulted. Home prices were driven down so far that the securities insured by Fannie and Freddie started going under water.

    It is true that some time in the mid nineties the net worth requirements of Fannie & Freddie were reduced and this exasperated the problem. It is also true that in the ’90’s Fannie and Freddie converted to private corporations and they did take on more risk as a result of that move.

    By far, the bulk of the problem was the part created by Wall Street and they made a killing. I do fault the government for not going after these culprits.

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