Sunday linkfest

Man, I've got a whole bunch of links burning a hole in my pocket, and I just don't feel like writing an entire post about any of 'em. So here's my linkfest. Hope you enjoy these.

1. A "Mom Job"? Oy. You'll be pleased to know that even mothers of college-aged children are having this plastic surgery. "'I had been thin all my life until I had my son and then I got this pooch of overhanging fat on my abdomen that you can’t get rid of,' Ms. Birkland, 39, said. 'And your breasts become deflated sacks.'" Mind you, this is a woman with a 20-year-old son. She was about 19 when he was born, and now she's concerned with her looks -- and blaming him? I shouldn't be surprised about her. Get this line: "There is more pressure on mothers today to look young and sexy than on previous generations, she added. 'I don’t think it was an issue for my mother; your husband loved you no matter what,' said Ms. Birkland, who recently remarried." Personal to Ms. Birkland's new husband: If that's what she thinks, ditch her now; she'll only get "worse" looking.

2. An observatory on the roof of your house? Cool. "'The reason why people don’t use their telescopes is they are such a pain to haul out and set up,' said John Spack, 50, a certified public accountant who had a domed observatory built on top of an addition to his house in Chicago last year. 'Now, if I want to get up at 3 a.m. and look at something, I just open the shutter.'"

3. "Pro-semites" on JDate? When, some years ago, Irving Kristol said, "the danger facing American Jews today is not that Christians want to persecute them but that Christians want to marry them," he was right on the money. It turns out that something like 11% of members of JDate aren't Jewish but are interested in meeting Jews. Pollster Mark Penn writes in a new book "that 'the number one reason they [people he calls "pro-Semites"] gave for desiring a Jewish spouse was a sense of strong values, with nearly a third also admitting they were drawn to money, looks or a sense that Jews "treat their spouses better."'"

4. Vegans dating regular vegetarians. As a former "vegetarian" who actually ate dairy, eggs, and even fish, and the father of a former vegan who was actually serious about it until he had a revelation (that vegans are morons, or something like that) and is now a proud carnivore, I have to admit this line tickled me: "'I'm in a relationship with a murderer,' bemoans Carl, one of many vegans who wrote in to the 'Vegan Freak' podcast for romantic advice." My son was never like that when he was a vegan.

5. Speaking of vegetarians, if you work for Countrywide and you didn't get the memo, W.C. Varones got it for you. Heh!

6. Stupid pickup lines. I did like the final one, which is charmingly cheesy: "Well, here I am. What are your other two wishes?"

7. "There are signs that the global Islamic jihad movement is splitting apart." Discuss. (via protein wisdom)

8. WTF? I saw this bumper sticker on a car on the highway in Maryland: "God Bless The Whole World / No Exceptions." Yeah, I understand it now: God bless Johnny, and God bless Billy, and God bless Osama. Because, heck, we're no better than any of those guys who are trying to murder us.

9. Here's a concert I'm glad I missed: Beethoven's 9th, redone according to the "aural graffiti" that Gustav Mahler wrote on the score. Tim Page lays the smackdown on Leonard Slatkin: "Somebody should sit Leonard Slatkin down and explain to him, firmly but not without compassion, that Ludwig van Beethoven actually knew what he was doing when he composed his Symphony No. 9 in D Minor, and that the work he created needs no enhancement from Gustav Mahler or any of the other musicians who followed in his shadow."

10. Andrew Ferguson in the Weekly Standard has an amusing review of Alan Greenspan's new book: "Alan Shrugged." ("Ayn," Alan would say, overcome by some Randian insight, "upon reading this, one tends to feel exhilarated!")

11. Columbia's newest friend, Mahmoud Ahmadinejad, has another insight: Move the damn Jews to Alaska. Seriously. (Via HotAir) He must have been reading the latest dreck from a Jewish writer suffering from Weltschmerz. Can you imagine the Jews in Alaska? All the Jewish geezers would sit around all afternoon saying things like this: "Oy, it's so cold here." "Moses got the desert, but we're stuck in this icebox."

12. And you just can't miss this last one, but don't listen to it at work, unless you can close a door behind you: Don't try that satire s--- in f---in' New Yawk. (Bad language alert.)

Click here to read more . . .

Mortgage scam, or not?

A federal judge has allowed a class action suit to go forward claiming that Chevy Chase Bank violated the Truth-in-Lending Act when it entered into a mortgage agreement with a Wisconsin couple. Here's a summary of the story:

With college costs looming for their four children, Bryan and Susan Andrews were looking for a way to cut their monthly expenses.

The sales pitch that came in the mail seemed perfect: A mortgage at 1.95 percent, fixed for five years.

"It sounded like a really good program," Susan Andrews recalled recently.

But after the deal closed, in 2004, the couple realized to their horror that the $191,000 loan they got from Bethesda-based Chevy Chase Bank was an adjustable-rate mortgage. The rate has climbed to 8.3 percent and, because of the way the mortgage is structured, the couple now owe more than they did when they signed for the loan.

The libertarian in me says that when you borrow huge sums of money with your house as security, you should pay attention to the details.

But I've heard enough outrageously misleading radio ads for mortgage lenders that I really can understand how someone could get snookered. Here's what allegedly happened in this case:

At the core of the dispute are some words that appeared on the top right corner of a document the lender must provide under the Truth in Lending Act. One line read: "WS Cashflow 5-year fixed," and the line under it said "Note Interest Rate: 1.950%."

The Andrewses said those words led them to believe the loan was a fixed-rate mortgage for five years, at 1.95 percent interest, and that they were reassured of its meaning by the broker at First Mortgage who handled the loan on behalf of Chevy Chase. In fact, the 1.95 percent offer was a teaser rate that lasted one month, and the interest charged on the loan started rising the next month. And the "fixed" feature had nothing to do with the interest rate. Rather, it meant the lowest possible payment stayed the same -- $701 a month -- over five years, although the interest rate rose, with the additional expense deferred to the end of the loan.

"This statement was confusing because although it is true that the payments on the loans were fixed for five years, the interest rate was not," the judge wrote.

And I can't feel too sorry for lenders who use one-month teaser rates, or set up loans where the monthly payments don't even cover the interest, so that the principle of the loan actually increases -- unless they grab the borrowers by the lapels and shake them, saying, "Do you understand what this means?"

So while I'm an economic libertarian in many ways, I don't think we have to let lenders play three-card monte with the borrowers. (Go ahead, kick me out of the club.)

Click here to read more . . .