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	<title>Comments on: Visualizing the Stress Test</title>
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	<link>http://www.ritholtz.com/blog/2009/05/visulaizing-the-stress-test/</link>
	<description>Macro Perspective on the Capital Markets, Economy, Geopolitics, Technology, and Digital Media</description>
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		<title>By: some_guy_in_a_cube</title>
		<link>http://www.ritholtz.com/blog/2009/05/visulaizing-the-stress-test/comment-page-1/#comment-173583</link>
		<dc:creator>some_guy_in_a_cube</dc:creator>
		<pubDate>Wed, 20 May 2009 03:00:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=26934#comment-173583</guid>
		<description>Very sad stories in the People section. It just amazes me how much abuse people can take.</description>
		<content:encoded><![CDATA[<p>Very sad stories in the People section. It just amazes me how much abuse people can take.</p>
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		<title>By: Avl Dao</title>
		<link>http://www.ritholtz.com/blog/2009/05/visulaizing-the-stress-test/comment-page-1/#comment-173561</link>
		<dc:creator>Avl Dao</dc:creator>
		<pubDate>Wed, 20 May 2009 02:15:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=26934#comment-173561</guid>
		<description>The Visualization multi-media is a good conversation-starter.  I&#039;m sending the link in an e-blast to my own circle.  Thanks Barry for the heads-up.

So someone sent a &quot;You&#039;re-Working-My-Last--Nerve&quot; blast to F411....as if it wasn’t earned...LOL.  
Having worked in higher ed admin...well, let&#039;s just say the effect on me is similar to that from my years in a prior life as a plant engineer for food manufacturers: one never again eats what one has seen made in a factory. 
Ditto for higher ed: after seeing under ‘the curtain’, one never again gives any ‘carte blanche credence’ to any academic, be they an adjunct, AP, Assoc Prof, tenured, chair or whatever.  
I am glad I didn’t know any better, however,  as a wee green undergrad. Why?  Cuz it&#039;s good to have experienced that kind of &#039;blank slate&#039; naiveté at such a &#039;green shoot&#039; age.  That first-hand experience at naiveté has really helped me to anticipate why so many folks today willingly consume the &#039;green shoot&#039; fertilizer shoveled out by Timmie &amp; Bennie, as well as by the TV talking necks.

OK, let me see where the posts are about the Fed’s Commercial Delinquency Report.</description>
		<content:encoded><![CDATA[<p>The Visualization multi-media is a good conversation-starter.  I&#8217;m sending the link in an e-blast to my own circle.  Thanks Barry for the heads-up.</p>
<p>So someone sent a &#8220;You&#8217;re-Working-My-Last&#8211;Nerve&#8221; blast to F411&#8230;.as if it wasn’t earned&#8230;LOL.<br />
Having worked in higher ed admin&#8230;well, let&#8217;s just say the effect on me is similar to that from my years in a prior life as a plant engineer for food manufacturers: one never again eats what one has seen made in a factory.<br />
Ditto for higher ed: after seeing under ‘the curtain’, one never again gives any ‘carte blanche credence’ to any academic, be they an adjunct, AP, Assoc Prof, tenured, chair or whatever.<br />
I am glad I didn’t know any better, however,  as a wee green undergrad. Why?  Cuz it&#8217;s good to have experienced that kind of &#8216;blank slate&#8217; naiveté at such a &#8216;green shoot&#8217; age.  That first-hand experience at naiveté has really helped me to anticipate why so many folks today willingly consume the &#8216;green shoot&#8217; fertilizer shoveled out by Timmie &amp; Bennie, as well as by the TV talking necks.</p>
<p>OK, let me see where the posts are about the Fed’s Commercial Delinquency Report.</p>
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		<title>By: Wes Schott</title>
		<link>http://www.ritholtz.com/blog/2009/05/visulaizing-the-stress-test/comment-page-1/#comment-173547</link>
		<dc:creator>Wes Schott</dc:creator>
		<pubDate>Wed, 20 May 2009 00:56:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=26934#comment-173547</guid>
		<description>agreed!</description>
		<content:encoded><![CDATA[<p>agreed!</p>
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		<title>By: Barry Ritholtz</title>
		<link>http://www.ritholtz.com/blog/2009/05/visulaizing-the-stress-test/comment-page-1/#comment-173546</link>
		<dc:creator>Barry Ritholtz</dc:creator>
		<pubDate>Wed, 20 May 2009 00:51:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=26934#comment-173546</guid>
		<description>Persuasion is different than waterboarding . . .</description>
		<content:encoded><![CDATA[<p>Persuasion is different than waterboarding . . .</p>
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		<title>By: Wes Schott</title>
		<link>http://www.ritholtz.com/blog/2009/05/visulaizing-the-stress-test/comment-page-1/#comment-173542</link>
		<dc:creator>Wes Schott</dc:creator>
		<pubDate>Wed, 20 May 2009 00:14:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=26934#comment-173542</guid>
		<description>I got it.  

Let&#039;s meet on Catalina Island (secretly, of course) and start the Central Bank of California.  

Then, Cali can print all the money they need.   

What d&#039; ya think?  

Let&#039;s talk exchange rate later.</description>
		<content:encoded><![CDATA[<p>I got it.  </p>
<p>Let&#8217;s meet on Catalina Island (secretly, of course) and start the Central Bank of California.  </p>
<p>Then, Cali can print all the money they need.   </p>
<p>What d&#8217; ya think?  </p>
<p>Let&#8217;s talk exchange rate later.</p>
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		<title>By: The Curmudgeon</title>
		<link>http://www.ritholtz.com/blog/2009/05/visulaizing-the-stress-test/comment-page-1/#comment-173541</link>
		<dc:creator>The Curmudgeon</dc:creator>
		<pubDate>Wed, 20 May 2009 00:07:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=26934#comment-173541</guid>
		<description>I visited West Virginia last summer for the first time for a family vacation.  We white-water rafted, hiked, toured an old coal mine, and played hillbilly golf in an old cow pasture, which fits my game perfectly.  A delightful place, all around.  I could easily make a home there.

But California&#039;s problems make me wonder...even though Lincoln established that once you voted yourself on the island, you couldn&#039;t vote yourself off, does that work in reverse?  Maybe we ought to vote Cali off the island.  It is just a big money pit, and without radical change, will be one until even Ben can&#039;t print enough to bail them out.</description>
		<content:encoded><![CDATA[<p>I visited West Virginia last summer for the first time for a family vacation.  We white-water rafted, hiked, toured an old coal mine, and played hillbilly golf in an old cow pasture, which fits my game perfectly.  A delightful place, all around.  I could easily make a home there.</p>
<p>But California&#8217;s problems make me wonder&#8230;even though Lincoln established that once you voted yourself on the island, you couldn&#8217;t vote yourself off, does that work in reverse?  Maybe we ought to vote Cali off the island.  It is just a big money pit, and without radical change, will be one until even Ben can&#8217;t print enough to bail them out.</p>
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		<title>By: Marcus Aurelius</title>
		<link>http://www.ritholtz.com/blog/2009/05/visulaizing-the-stress-test/comment-page-1/#comment-173536</link>
		<dc:creator>Marcus Aurelius</dc:creator>
		<pubDate>Tue, 19 May 2009 23:57:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=26934#comment-173536</guid>
		<description>cvienne:

Those migrants in WV still depend on the jobs they hold in MD &amp; VA, yet the contribute little to the tax bases of those states (however, they do take a huge toll on infrastructure and services). The vast majority of these migrants work for the Fed Gov, or Fed Gov Contractors, so they&#039;re also sucking on the Federal tax teat. The panhandle of WV is primarily where these migrants live, and they&#039;re getting crushed by dropping property values (to say nothing of the 1 to 1.5 hour, one-way commute to NOVA/DC/MD to work their Federal jobs). Rt 9 from WV to NOVA is crushed with traffic on weekday mornings and evenings, as is Rt. 340 to the 270 tech corridor in MD.

The WV panhandle property tax base is crumbling. The state is far from self-sufficient.

Tuesday April 14, 2009
Kanawha Valley escapes nationwide housing bust
by Cara Bailey
Daily Mail staff
Advertisement - Your ad here

CHARLESTON, W.Va. -- As officials reassess property in a one-third section of Kanawha County during an economic downturn, they say values are holding steady.

&quot;Nationally, West Virginia as a whole never really saw a boom, so we&#039;re not seeing the bust the rest of the country is, except in the Eastern Panhandle,&quot; said Steve Sluss, the chief deputy and legal counsel to Kanawha County Assessor Phyllis Gatson.</description>
		<content:encoded><![CDATA[<p>cvienne:</p>
<p>Those migrants in WV still depend on the jobs they hold in MD &amp; VA, yet the contribute little to the tax bases of those states (however, they do take a huge toll on infrastructure and services). The vast majority of these migrants work for the Fed Gov, or Fed Gov Contractors, so they&#8217;re also sucking on the Federal tax teat. The panhandle of WV is primarily where these migrants live, and they&#8217;re getting crushed by dropping property values (to say nothing of the 1 to 1.5 hour, one-way commute to NOVA/DC/MD to work their Federal jobs). Rt 9 from WV to NOVA is crushed with traffic on weekday mornings and evenings, as is Rt. 340 to the 270 tech corridor in MD.</p>
<p>The WV panhandle property tax base is crumbling. The state is far from self-sufficient.</p>
<p>Tuesday April 14, 2009<br />
Kanawha Valley escapes nationwide housing bust<br />
by Cara Bailey<br />
Daily Mail staff<br />
Advertisement &#8211; Your ad here</p>
<p>CHARLESTON, W.Va. &#8212; As officials reassess property in a one-third section of Kanawha County during an economic downturn, they say values are holding steady.</p>
<p>&#8220;Nationally, West Virginia as a whole never really saw a boom, so we&#8217;re not seeing the bust the rest of the country is, except in the Eastern Panhandle,&#8221; said Steve Sluss, the chief deputy and legal counsel to Kanawha County Assessor Phyllis Gatson.</p>
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		<title>By: Wes Schott</title>
		<link>http://www.ritholtz.com/blog/2009/05/visulaizing-the-stress-test/comment-page-1/#comment-173533</link>
		<dc:creator>Wes Schott</dc:creator>
		<pubDate>Tue, 19 May 2009 23:44:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=26934#comment-173533</guid>
		<description>I lived in SOCAL, Cardiff-by-the-Sea  -  &#039;77-&#039;79 (19oo&#039;s, not 1800&#039;s, hee, hee after the Gold Rush) when I got out of school and really enjoyed the weather, the waves, and the work.  

I said to my wife, enjoy this while we are here, think of it like a vacation, because we cannot afford to put down roots here - pay to low (everyone wanted to live there) to afford a house - 1979!

Have been in Houston ever since.  Enjoy the work, don&#039;t enjoy the weather, and, alas, no real surf in the GOM.  House paid off.</description>
		<content:encoded><![CDATA[<p>I lived in SOCAL, Cardiff-by-the-Sea  &#8211;  &#8217;77-&#8217;79 (19oo&#8217;s, not 1800&#8242;s, hee, hee after the Gold Rush) when I got out of school and really enjoyed the weather, the waves, and the work.  </p>
<p>I said to my wife, enjoy this while we are here, think of it like a vacation, because we cannot afford to put down roots here &#8211; pay to low (everyone wanted to live there) to afford a house &#8211; 1979!</p>
<p>Have been in Houston ever since.  Enjoy the work, don&#8217;t enjoy the weather, and, alas, no real surf in the GOM.  House paid off.</p>
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		<title>By: cvienne</title>
		<link>http://www.ritholtz.com/blog/2009/05/visulaizing-the-stress-test/comment-page-1/#comment-173531</link>
		<dc:creator>cvienne</dc:creator>
		<pubDate>Tue, 19 May 2009 23:34:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=26934#comment-173531</guid>
		<description>@ wes

You&#039;re right...

The &quot;governator&quot; is practically on his knees to WDC...he&#039;s Obamawammees new BFF...

California is 13% of the US GDP...

I don&#039;t want to get into &quot;slicing &amp; dicing&quot; it...I don&#039;t pretend to be that arrogant...But there are PROBLEMS with California that just won&#039;t easily be fixed...

I mean...start with H20...You can&#039;t &quot;grow&quot; a state like that with a problem like that...
Taxes...
Income...
Both of the above w/respect to homes...
Even the &quot;movie&quot; industry is seeking cheaper lands to produce its product...
Defense left long ago, revovered for awhile, but is in its 2nd leg down...
Technology, I feel, is no longer going to benefit from the GROWTH pattern of the last two decades...30 years from now, silicon valley will resemble Detroit...Overpaid workforce...The operational budget will seek cheaper production...

California 2009 is as arrogant as Detroit 1969</description>
		<content:encoded><![CDATA[<p>@ wes</p>
<p>You&#8217;re right&#8230;</p>
<p>The &#8220;governator&#8221; is practically on his knees to WDC&#8230;he&#8217;s Obamawammees new BFF&#8230;</p>
<p>California is 13% of the US GDP&#8230;</p>
<p>I don&#8217;t want to get into &#8220;slicing &amp; dicing&#8221; it&#8230;I don&#8217;t pretend to be that arrogant&#8230;But there are PROBLEMS with California that just won&#8217;t easily be fixed&#8230;</p>
<p>I mean&#8230;start with H20&#8230;You can&#8217;t &#8220;grow&#8221; a state like that with a problem like that&#8230;<br />
Taxes&#8230;<br />
Income&#8230;<br />
Both of the above w/respect to homes&#8230;<br />
Even the &#8220;movie&#8221; industry is seeking cheaper lands to produce its product&#8230;<br />
Defense left long ago, revovered for awhile, but is in its 2nd leg down&#8230;<br />
Technology, I feel, is no longer going to benefit from the GROWTH pattern of the last two decades&#8230;30 years from now, silicon valley will resemble Detroit&#8230;Overpaid workforce&#8230;The operational budget will seek cheaper production&#8230;</p>
<p>California 2009 is as arrogant as Detroit 1969</p>
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		<title>By: austincompany</title>
		<link>http://www.ritholtz.com/blog/2009/05/visulaizing-the-stress-test/comment-page-1/#comment-173530</link>
		<dc:creator>austincompany</dc:creator>
		<pubDate>Tue, 19 May 2009 23:32:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=26934#comment-173530</guid>
		<description>In a reply to Franklin411, most of the states on his list with the higher incomes are also the most expensive to live in. I have always thought that the secret is not how much one makes, but how much one keeps.</description>
		<content:encoded><![CDATA[<p>In a reply to Franklin411, most of the states on his list with the higher incomes are also the most expensive to live in. I have always thought that the secret is not how much one makes, but how much one keeps.</p>
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