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January 08, 2016

Overnight Open Thread (8 Jan 2016)

I think I've seen this movie before. It won't end well. Fannie Mae rolls out easy mortgage, catering to high-risk immigrants. I think it's worse actually.

At least before the crisis, your income had to be your own. But now, as a renter, you can get a conventional home loan backed by Fannie by claiming other people's income. That's right: You can use your apartment roommate's paycheck to augment your qualifying income. Or your abuela.
You can even claim the earnings of people who are not occupants, such as your parents, under this program.
You don't have to bring much financial wherewithal to the table. You can even live in government-subsidized housing.
Just as long as you round up enough income-earners and pool finances to help meet the debt-to-income ratio of 43%.


Shoes

Its been awhile since we've talked shoes on the ONT but you probably should never wear your shoes inside the house.

A study done by the University of Arizona found an average of 421,000 different bacteria on shoes. Coliforms, a bacterial indicator of the level of sanitation of foods and water (and universally present in feces), were detected on the bottoms of 96% of shoes.

In addition, E. coli was detected on 27% of the shoes, along with seven other kinds of bacteria, including Klebsiella pneumoniae, which can cause urinary tract infection, and Serratia ficaria, which can cause respiratory infections.

Guns

No Mr. President, the NRA is not the reason why gun sales are rising. Just look in the mirror. Its OK, you can take credit for this.

The Properties Of Camera Lenses

FBI Tracking

Um, I could think of some more importantthings for the FBI to track other than animal abusers.

The deputy executive director of the National Sheriffs' Association backed the change when he learned that many serial killers are animal abusers first. Collecting animal abuse data could help "flag" future violent offenders, as many as 70% of whom may have abused animals first.

So what does that mean if you've eaten a dog?

Tequila Diet

I could get behind this diet. Drinking tequila could help you lose weight. It could be beneficial for people with type 2 diabetes too.

Star Wars On Guitar

This is pretty good.

Cologne Protest

Don't think this will change the reality on the ground. The ones doin' the rapin' don't care if you are nekkid or clothed or about women's emancipation. NSFW. Nude Cologne protest.

War On 'Man'

Navy looks to remove 'man' from all job titles. Important stuff I guess. So is 'mankind' verboten now too?

Danger

Something tells me that when the White House and leaders of America's top tech companies discuss ways they might collaborate to help identify and find terrorists on the internet, the definition of what a terrorist is in their eyes might be pretty damn important. I don't think they'll be going after who we think are terrorists. More like Tea Party folks and those they think pose a threat to their power.

Moron NFL Playoff Challenge

Buzzion was kind enough to start up a moron league at NFL dot com, Go to Fantasy Choose Playoff Challenge.

Search for Group Name: Ace Of Spades HQ
Password: Ewok

Dog Video

Tonight's ONT brought to you by chocolate weapons:

Top dog image via

Notice: Posted by permission of AceCorp LLC. Please e-mail overnight open thread tips to maet or CDR M. Otherwise send tips to Ace.

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posted by CDR M at 10:00 PM

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