GIRTHQUAKE
GIRTHQUAKE SuperDork
1/8/23 3:12 p.m.

 This whole thread is ripped. 

In my experience a lot of the nursing staff from Africa are from Togo and Uganda, but it heavily depends on state. States like Nebraska have agreements for specific populations, which is why Omaha has large Sudanese and Karen-speaking Cambodian populations. And yeah, it's really wild to go from whiter than mayonnaise "Rich" Omaha to requiring a 6 year old to translate for everything within the span of a few blocks lol.

Steve_Jones said:

The 2008 crisis was not the fault of the banks "looking for a quick buck" it's the fault of the regulators requiring the banks to approve loans with lower down payments, and lower credit scores. If they didn't they got sued for discriminating against poor people. After all, everyone "deserved" a loan, right?

What the hell is this comment. Here's 300 pages that say otherwise, and Minorities were preyed upon. This one will lead you to the FBI reports about the fraud, started by repealing bank acts in 1995.

Sorry to seem like I'm pouring jet fuel on a tire fire, but I don't stand for BS about the 2008 recession.

Boost_Crazy
Boost_Crazy Dork
1/8/23 5:29 p.m.

In reply to GIRTHQUAKE :

The Huff Post? Really? You don't stand for BS, but link the Huff Post?!?

Those who would not usually qualify, including minorities, where given loans that they should not have qualified for. To just say minorities is misleading and less than truthful, and that wording is specifically chosen to obscure facts in favor of emotion. Is that what you stand for? 
 

It amazes me how anyone can confuse who the "victims" were in 2008. It was NOT those who never should have qualified in the first place. They got an opportunity that they didn't deserve. Good for those that made it work. But those that didn't lost nothing. At worst, most paid less than rent. If anyone was a victim, it was those who really could afford a home, and had to pay more when the market was flooded with buyers who shouldn't have been qualified. 
 

And shame on you for suggesting they were preyed upon. Do you believe they were too stupid to know better, and they need you to save them? Give them the loan, they were preyed upon. Don't give them the loan, it's unfair. How convenient. 

frenchyd
frenchyd MegaDork
1/8/23 6:48 p.m.
SV reX said:

In reply to frenchyd :

I Ok, except Fannie Mae and Freddie Mac were created by CONGRESS, and their stated purpose is to create liquidity in the residential mortgage lending market. 
 

The thing you are complaining about is exactly what they were designed to do. Make money available to lend to more mortgages. 
 

It's a result of government, not the banks.  The only thing the banks did was act exactly the way government wanted them to. 

What the Banks begged and bribed for was deregulation. Starting about  mid 90's that's almost their whole refrain. 
  ( remember the savings and loan scandal  earlier? ). The regulations put in place  to prevent a reoccurrence is exactly the regulation they were complaining about.  Had those remained in place the 2008 recession would not have happened.  
      Banks spent a fortune to eliminate those regulations.  
       Every single time Banks get deregulated a Great Depression/ recession/ or the government writes a lot of losses off.  
     I need to be careful here.  Some Banks are well managed and act ethically. With the long term effects of their actions taken into consideration.   
     But when we are talking about big money, greed is too enticing.  Some banks will take every short cut possible. Right up to the edge of illegal. 
     
      Mind you some banks sold real estate  loan portfolio's  rated by their pet rating agency  as triple A that were almost completely junk.  Banks pressured rating agency's. Both on the value of the property  and the rating of the portfolio 

   That's wasn't some hooker trying to get rich but  deregulated  Banks allowed  to ignore prudent banking practices.    
    It's like if you put a turbo charged LS  and ran it in stock because you begged to throw out the rule book 

frenchyd
frenchyd MegaDork
1/8/23 6:59 p.m.
yupididit said:
frenchyd said:
Snowdoggie (Forum Supporter) said:
Steve_Jones said:
Snowdoggie (Forum Supporter) said:
Duke said:

In reply to Snowdoggie (Forum Supporter) :

But effort is far from the only thing that makes a worker valuable.

Effort is just the price of admission.

 

With a 3.5% unemployment rate, the price of admission is relative.

Digging a hole takes effort, but it does not take skill. He's putting a lot of effort into doing his job, yes, but he doesn't have a skill most people can't do. As you posted, even your dog can dig a hole. 

My Siberian Husky could dig a trench and my Border Collie could survey it and file for all required permits. My neighbor's Pug couldn't dig himself out of his own dog dish and the Chihuahua across the street is even more useless. 

People are like that too. Even good laborers are hard to find and worth the money. 

We agree on that.   Good labor is hard to get but not hard to find.
      Bus companies are having great success with Africans.  Yes  some Muslim Africans who manage to get to America.   Plus Health care industry  is being propped up from Africa as well 
    
     Diligent, hard working, intelligent, and thoughtful.   Listening to the. Stories they tell it's unbelievably hard and expensive  to get here.   Once here they aren't going to mess up or take it easy.

   We may not let in the Americans from  Central & South America   But those Muslims from Africa  seem to be great workers. 
        Historically America has. Always prospered on the backs of recent immigrants.  

What countries are these Muslims from Africa from? Saying "from Africa" isn't concise though highlighting their religion is. 

Since America has freedom of religion I was reluctant to mention that. But I've heard too much vilification about Muslims.  Just like here in America there are good Christians  and bad ones. There are good Muslim's who are a wonderful asset to America and there are those who crash planes into towers and etc. 

 Those I've  met through work  are great people.  And I rarely  ask what country they are from.  I really don't think it's about country of origin but rather the people involved.   

SV reX
SV reX MegaDork
1/8/23 7:03 p.m.

In reply to frenchyd :

You are too close to the line.  Drop the religious and racial commentary.  

It's offensive.

 

frenchyd
frenchyd MegaDork
1/8/23 7:09 p.m.
Steve_Jones said:
frenchyd said:
Opti said:

In reply to frenchyd :

I agree that home ownership is good. All of the studies show its good for kids, community and building wealth. We disagree on what constitutes denying or delaying home ownership. I think all the regulation and taxation is whats denying and delaying home ownership. It would appear you disagree.

I hate renting to people. I want to sell the house. I make a profit when I rent, that means that someone could buy the same house for cheaper than I rent it to them. I used to understand when down payments were bigger, but outside of one friend I am the only person in my friend group that put money down to buy a house. What stops a lot of people is bad decisions (bad credit or lots of liabilities), it worries me to rent to people that dont make fiscally sound decisions. Sure some people choose to rent, but thats the exception for sure, most people cant buy.

D

Well we agree completely on that.   Mistakes  or events such as health issues, divorce, company failing, etc. yes some of those there might be a matter of choice ( who you marry, why, when or who you go to work for etc.  can properly delay/ deny  home ownership.  
    But it is my humble opinion that if the banks had done  proper due diligence instead of going for the quick Buck of closing the loan.  The housing crisis of 2008, The zero down approach would have been successful. In short the whole affair is the fault  of banks.      
         It seems that once a foreclosure occurs on a persons credit report  no matter how good the finical  picture is now they will be denied home ownership.  You can still buy a car but not a home.   

The 2008 crisis was not the fault of the banks "looking for a quick buck" it's the fault of the regulators requiring the banks to approve loans with lower down payments, and lower credit scores. If they didn't they got sued for discriminating against poor people. After all, everyone "deserved" a loan, right?

 

One more comment. Zero down was started post WW2  the result of zero down was that those loans were more successful than loans requiring the standard 20% down. 
     Based on that and assuming banks would continue to do their due diligence the program was opened to everyone.  
  Had Banks continued to practice proper banking  policies 2008 would have never occurred. 
         Banks got the deregulation they had been calling for. And the result was predictable. 
   At no time were Banks told to give loans to unqualified people.  I defy you to show me anyplace the federal government stated unqualified people were to be given loans.  That was the policy followed by some greedy bankers and the excuse they used  wasn't based on law. But greed. 

GIRTHQUAKE
GIRTHQUAKE SuperDork
1/8/23 7:32 p.m.
Boost_Crazy said:

In reply to GIRTHQUAKE :

The Huff Post? Really? You don't stand for BS, but link the Huff Post?!?

Those who would not usually qualify, including minorities, where given loans that they should not have qualified for. To just say minorities is misleading and less than truthful, and that wording is specifically chosen to obscure facts in favor of emotion. Is that what you stand for? 
 

It amazes me how anyone can confuse who the "victims" were in 2008. It was NOT those who never should have qualified in the first place. They got an opportunity that they didn't deserve. Good for those that made it work. But those that didn't lost nothing. At worst, most paid less than rent. If anyone was a victim, it was those who really could afford a home, and had to pay more when the market was flooded with buyers who shouldn't have been qualified. 
 

And shame on you for suggesting they were preyed upon. Do you believe they were too stupid to know better, and they need you to save them? Give them the loan, they were preyed upon. Don't give them the loan, it's unfair. How convenient. 

Jesus it's like I'm trolling. Bro if you're reaction to 4 separate articles supporting an opinion is attacking one publication, you don't have an argument.

I found two more for you. This Duke Professor of Economics says it wasn't the poor at all:

But what caused the financial crisis was that middle- and high-income borrowers – including speculators who bought up homes to sell for profit – began defaulting at unprecedented rates. We had a crisis because non-subprime borrowers defaulted, where previously they very rarely had.

[...]Because regulators responded based on the belief that there had been an explosion of credit given to low-income borrowers. They restricted mortgage credit to subprime borrowers based on the belief those loans had put the banking system at risk. This made it more difficult for people with lower incomes to get credit for several years, just as house prices were lower, when first-time buyers and those with less money would otherwise have been able to enter the market and help it recover. Home ownership rates among low income borrowers have collapsed since the crisis because of the active limiting of credit to those borrowers. This did not add any stability to the banking system as intended.

Also supported from this wonderfully researched from Brookings "Fixing Finance" Series.  It's a big but well-researched PDF.

Do you believe they were too stupid to know better, and they need you to save them? Give them the loan, they were preyed upon. Don't give them the loan, it's unfair. How convenient. 

Nice Ad hominem. You know I didn't say either of those things- that's you talking.

GIRTHQUAKE
GIRTHQUAKE SuperDork
1/8/23 7:36 p.m.
frenchyd said:

Since America has freedom of religion I was reluctant to mention that. But I've heard too much vilification about Muslims.  Just like here in America there are good Christians  and bad ones. There are good Muslim's who are a wonderful asset to America and there are those who crash planes into towers and etc. 

Dude. Bruh.

z31maniac
z31maniac MegaDork
1/8/23 7:50 p.m.

Ok, frenchy has proven why his first account was banned. I would say more, but I don't want to be banned. 

Now to the original topic, I can't believe it's lasted this long of people saying the same thing over and over knowing they aren't going to convince the other person. Perhaps pheller and his above average lifestyle and gameboy who left his country to go somewhere else should give up the shtick. 

Lets worry about real problems. Look up how polluted the ganges or the Citarum rivers are, look at the squalor the vast majority of people live in, and you're worried about people who have a home, cell phone, cable TV, car, easy access to food and medicine. 

 

ProDarwin
ProDarwin MegaDork
1/8/23 7:59 p.m.

Wow frenchy is doing his best to get banned and the thread locked simultaneously.

GIRTHQUAKE
GIRTHQUAKE SuperDork
1/8/23 8:03 p.m.
ProDarwin said:

Wow frenchy is doing his best to get banned and the thread locked simultaneously.

CRASHING THIS PLANE! WITH NO SURVIVORS!

Snowdoggie (Forum Supporter)
Snowdoggie (Forum Supporter) SuperDork
1/8/23 10:58 p.m.
SV reX said:

In reply to frenchyd :

You are too close to the line.  Drop the religious and racial commentary.  

It's offensive.

 

I apologize. I did not mean any offense to Pugs or Chihuahuas or their owners. Small dogs are not lazy and should not be stereotyped that way.

And I will no longer refer to Siberian Inuit Dogs as "Huskies" no matter how much of my backyard they dig up. 

Boost_Crazy
Boost_Crazy Dork
1/9/23 1:31 a.m.

In reply to GIRTHQUAKE :

Boost_Crazy said:

In reply to GIRTHQUAKE :

The Huff Post? Really? You don't stand for BS, but link the Huff Post?!?

Those who would not usually qualify, including minorities, where given loans that they should not have qualified for. To just say minorities is misleading and less than truthful, and that wording is specifically chosen to obscure facts in favor of emotion. Is that what you stand for? 
 

It amazes me how anyone can confuse who the "victims" were in 2008. It was NOT those who never should have qualified in the first place. They got an opportunity that they didn't deserve. Good for those that made it work. But those that didn't lost nothing. At worst, most paid less than rent. If anyone was a victim, it was those who really could afford a home, and had to pay more when the market was flooded with buyers who shouldn't have been qualified. 
 

And shame on you for suggesting they were preyed upon. Do you believe they were too stupid to know better, and they need you to save them? Give them the loan, they were preyed upon. Don't give them the loan, it's unfair. How convenient. 

Jesus it's like I'm trolling. Bro if you're reaction to 4 separate articles supporting an opinion is attacking one publication, you don't have an argument.

I found two more for you. This Duke Professor of Economics says it wasn't the poor at all:

But what caused the financial crisis was that middle- and high-income borrowers – including speculators who bought up homes to sell for profit – began defaulting at unprecedented rates. We had a crisis because non-subprime borrowers defaulted, where previously they very rarely had.

[...]Because regulators responded based on the belief that there had been an explosion of credit given to low-income borrowers. They restricted mortgage credit to subprime borrowers based on the belief those loans had put the banking system at risk. This made it more difficult for people with lower incomes to get credit for several years, just as house prices were lower, when first-time buyers and those with less money would otherwise have been able to enter the market and help it recover. Home ownership rates among low income borrowers have collapsed since the crisis because of the active limiting of credit to those borrowers. This did not add any stability to the banking system as intended.

Also supported from this wonderfully researched from Brookings "Fixing Finance" Series.  It's a big but well-researched PDF.

Do you believe they were too stupid to know better, and they need you to save them? Give them the loan, they were preyed upon. Don't give them the loan, it's unfair. How convenient. 

Nice Ad hominem. You know I didn't say either of those things- that's you talking.


I didn't post those links, you did. You should have been the one to vet them. After I see Huff Post, I don't feel the need to spend my time checking your other sources. You might cook the best steak on earth, but if you serve it with a pile of dog E36 M3 on top, I ain't trying it. 
 

Using the links as sentences didn't help either. I assumed the wording conveyed your feelings. I'm honestly not sure where you stand now. Do you see the sub prime borrowers (minorities as you put it) as the victims? 
 

I agree that middle and high income borrowers were a large part of the problem. But it is all connected. Everyone wanted a piece of the pie. Middle and high income borrowers now had people to sell their houses to at inflated prices, and could qualify more easily for an upgrade to a more expensive home. The banks sure aren't innocent. But they didn't start the ball rolling, they just played along. The problem with all of the reports that you linked to- tell me if I'm mistaken, but I didn't see a single mention- is that none of them listed the borrowers that failed to pay their loans as part of the problem. In my eyes, if you are publishing a report on the causes and omit the #1 cause- people not paying their loans- it's hard to give the report credibility. 

To me, the most egregious were those who could pay their loans but chose to walk away instead. They took the short term credit hit rather than accept the drop in value to their homes. It was financially brilliant- so many people defaulted that it became "normal" and wasn't as much of a hit as it should have been. They rebought a couple years later at a fraction of the price. But it was morally wrong. Maybe I'm just bitter because I was one of the chumps that actually paid his mortgage, while those that screwed everything up bought much nicer houses for less money during the dip. 

By the way, the book you linked by the Nostradamus who predicted the bubble busting- It didn't take a genius to predict. I remember having a fixed interest rate loan at one of the lowest rates in decades. Yet I got non stop calls asking me if I wanted to refi to an adjustable and take cash out. I didn't know a lot back then, but I knew that sounded like a stupid idea. I also guessed by the numbers of new trucks and boats I saw that lots of people didn't share my sentiment, and I knew it wasn't going to end well. 

GameboyRMH
GameboyRMH MegaDork
1/9/23 8:44 a.m.
z31maniac said:

Ok, frenchy has proven why his first account was banned. I would say more, but I don't want to be banned. 

Now to the original topic, I can't believe it's lasted this long of people saying the same thing over and over knowing they aren't going to convince the other person. Perhaps pheller and his above average lifestyle and gameboy who left his country to go somewhere else should give up the shtick. 

Lets worry about real problems. Look up how polluted the ganges or the Citarum rivers are, look at the squalor the vast majority of people live in, and you're worried about people who have a home, cell phone, cable TV, car, easy access to food and medicine.

A country that isn't interested in fixing poverty inside its borders will have even less interest and means to fix poverty outside of them. A lot of that pollution and poverty comes from the first world exporting its garbage and outsourcing its environmentally destructive industry in an effort to make goods cheaper to compensate for falling purchasing power of their middle and lower classes. Treating first world problems as not-real problems that should be ignored will only worsen those pressures - ending those problems requires giving more people in the first world enough purchasing power that they can shop for more environmentally-friendly and ethically-sourced goods.

Also, just curious, does the fact that I've migrated make me too wealthy or privileged to have anything to complain about? That would be a new angle.

bobzilla
bobzilla MegaDork
1/9/23 9:27 a.m.
GameboyRMH said:
 
Also, just curious, does the fact that I've migrated make me too wealthy or privileged to have anything to complain about? That would be a new angle.

Do you REALLY want to open that bag of worms? Because I'll happily jump feet berkeleying firs into it. 

Snowdoggie (Forum Supporter)
Snowdoggie (Forum Supporter) SuperDork
1/9/23 9:34 a.m.
Boost_Crazy said:

In reply to GIRTHQUAKE :


I didn't post those links, you did. You should have been the one to vet them. After I see Huff Post, I don't feel the need to spend my time checking your other sources. You might cook the best steak on earth, but if you serve it with a pile of dog E36 M3 on top, I ain't trying it. 

Then there's Fox News and Breitbart and The Daily Onion and The Babylon Bee. And don't even get me started on Dog World.

Woof!

GameboyRMH
GameboyRMH MegaDork
1/9/23 9:51 a.m.
bobzilla said:
GameboyRMH said:

Also, just curious, does the fact that I've migrated make me too wealthy or privileged to have anything to complain about? That would be a new angle.

Do you REALLY want to open that bag of worms? Because I'll happily jump feet berkeleying firs into it. 

I'm quite curious, I've never heard migration equated with privilege before although there is some involved, to migrate legally you either need to inherit the right citizenships, or you generally need to expend above-middle-class amounts of money to pursue a new one, along with some education-intensive skill, or in many countries you can basically buy citizenship with an absurd amount of money.

Those all involve some privilege compared to just being a naturally-born citizen of a place with crappy wages, huge inequality, and low mobility. In that situation you're practically born into a captive labor force.

bobzilla
bobzilla MegaDork
1/9/23 9:52 a.m.

In reply to Snowdoggie (Forum Supporter) :

DUDE dog world is the worst.

GIRTHQUAKE
GIRTHQUAKE SuperDork
1/9/23 10:03 a.m.
Boost_Crazy said:


I didn't post those links, you did. You should have been the one to vet them. After I see Huff Post, I don't feel the need to spend my time checking your other sources.

You got so offended that one article was from Huffington Post, that it sent you typing a paragraphs-long tirade; Talk about letting something live rent-free in your head lmao, why should anyone keep talking to you if you don't read what they post and try to understand it?

Tell ya what, stop trying to protect banks that have already been found guilty, start proving your point with evidence, and I'll tell you about myself.

RX Reven'
RX Reven' UltraDork
1/9/23 10:06 a.m.

I was 44 in 2008 and followed the predictable meltdown closely.

I'd love to post a tsunami of videos featuring "leaders" chastising & threatening lenders that weren't issuing as many loans to low income borrowers as others.

I mean, the "R" bombs were dropping like rain on any responsible lenders but somehow, we conveniently ignore that now. 

Opti
Opti SuperDork
1/9/23 10:21 a.m.
GameboyRMH said:
z31maniac said:

Ok, frenchy has proven why his first account was banned. I would say more, but I don't want to be banned. 

Now to the original topic, I can't believe it's lasted this long of people saying the same thing over and over knowing they aren't going to convince the other person. Perhaps pheller and his above average lifestyle and gameboy who left his country to go somewhere else should give up the shtick. 

Lets worry about real problems. Look up how polluted the ganges or the Citarum rivers are, look at the squalor the vast majority of people live in, and you're worried about people who have a home, cell phone, cable TV, car, easy access to food and medicine.

A country that isn't interested in fixing poverty inside its borders will have even less interest and means to fix poverty outside of them. A lot of that pollution and poverty comes from the first world exporting its garbage and outsourcing its environmentally destructive industry in an effort to make goods cheaper to compensate for falling purchasing power of their middle and lower classes. Treating first world problems as not-real problems that should be ignored will only worsen those pressures - ending those problems requires giving more people in the first world enough purchasing power that they can shop for more environmentally-friendly and ethically-sourced goods.

Also, just curious, does the fact that I've migrated make me too wealthy or privileged to have anything to complain about? That would be a new angle.

I almost agree with you. The first couple sentences are dead on. For me it gets a little murky after that. I think it goes way beyond what Im assuming you mean by "more purchasing power." I assuming you mean they need more money, that lines up with your other arguments about the working poor, and the workers being entitled to more of the profits, if thats not what you mean then disregard the rest of my comment, and Im sorry for misunderstanding.

Giving people more money is just inflationary. Every single person that makes more money, leads to higher costs for everyone who uses their industry, then your extra money historically ends up having less buying power than what they were making before.

Im real close to what your saying, I just think their are way to many variables for one thing, like more money, will do anything but make it worse. An easy way for the average American to have more buying power is a reduction of regulation and taxes, even though half of Americans dont pay income taxes, their income is still chipped away at by things like gas taxes, sales taxes, and the costs of regulation and corporate tax rates being passed on to the consumer. I think it should be everyone's goal that every American gets to keep as much of their hard earned money as possible. I also think a cultural shift away from consumerism and towards fiscal responsibility would fix a lot of this. Im sick of the argument that people dont make enough, I bought my first house, had two cars (a truck and a toy) and never worried about money when I was making what most would consider a very low wage and I was a part of the "working poor," in an expensive market. Most people have a spending problem not a  revenue problem, notice I said MOST not all. I was frugal and I saved and when something mattered I bought quality. I think the throw away culture we have hurts everyone, and is about as far away from environmentally friends you can get. The federal government and the Fed are also killing the middle class, the massive amounts of spending and printing money, hurts everyone except the rich. The rich are the group that put their money to work, so their "savings" are more likely to keep up in an inflationary period. The middle class and the working class are less likely to have a large investment portfolio, and more likely to have money just sitting in a savings account making less interest than the cost of account maintenance. Inflation makes them considerably poorer. You can go on and on about all the things that are squeezing the E36 M3 out of the middle class and keeping the poor from moving up the economic scale. I dont think anything youve said would make it better, most of the things would just pile one more barrier on top that make it even harder for the poor to move up. Most regulation and higher taxes is very good for established corps, because they create another barrier to entry, and really bad for people and businesses trying to start out. You think a minimum wage of 20 an hour would have any effect on Amazon? Absolutely not, but its very likely to keep people from starting a company that may one day compete with Amazon. We want competition (yes even you, to achieve the things like higher wages and reduce the supposed "wage collusion"), regulation and higher taxes leads to less competition.

Just an side note, the vast majority of "environmentally-friendly" goods are a complete ruse, they just move the waste/pollution/emissions to a poorer area, or they dont consider the actual cradle to grave impact. We have a very narrow view of what "environmentally friendly" in everything from energy production to consumer good packaging.

Now I say all that, but I also believe at the end of the day, you only have one life and one chance to make the most of it. So I agree with a lot of people who think the deck is stacked against them, but I can not get on board with the people who say the deck is stacked against them and thats a reason not to try. You MUST work within the world your given to make the best of it. When a third or fourth of your income is immediately sent to the government, or you can afford to buy a home, but not pay the massive tax bill, or you cant quite afford gas because its artificially inflated so the govt can get their cut, yah it sucks, but suck it up, do your best, hustle and better your life, do whatever it takes you only get one chance.

Snowdoggie (Forum Supporter)
Snowdoggie (Forum Supporter) SuperDork
1/9/23 10:23 a.m.

Still trying to figure out what Nostradamas has to do with Laffer Curves.

This ain't the economics I studied in school. cheeky

 

Ian F (Forum Supporter)
Ian F (Forum Supporter) MegaDork
1/9/23 10:28 a.m.

In reply to Snowdoggie (Forum Supporter) :

Part studious analysis of past trends... part hold your thumb to the wind and make a WAG? 

1988RedT2
1988RedT2 MegaDork
1/9/23 11:15 a.m.

Now I'm a little sorry I've ignored this thread for so long.  I figured it would be the usual predictable and vapid socialists bashing capitalists, but it really has a good deal of humor in it.  Carry on, but do be careful to stay out of the patio.

Snowdoggie (Forum Supporter)
Snowdoggie (Forum Supporter) SuperDork
1/9/23 11:30 a.m.

In reply to 1988RedT2 :

Once you start talking about piles of dog E36 M3, that's patio territory. Or at least somewhere in the backyard, depending on how well your dogs are trained.

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