December 11, 2010
October 29, 2010
When the Texas Rangers’ clubhouse opened for reporters after Game 2 of the World Series in San Francisco on Thursday, the only player talking was Derek Holland. Five minutes after the home clubhouse opened Friday, before a workout at Rangers Ballpark, Holland was back at his locker, ready for more.I presume the reason why he is said to have an "infinite earned run average" is that he allowed three earned runs without retiring a batter, so lets look at this statistic in particular. Earned run average is calculated by multiplying nine by the number of earned runs allowed, then dividing that total by the number of innings pitched.
Clearly, Holland is taking responsibility for one of the worst pitching performances in World Series history. But he also is ready to move on.
“I’m not worried about it,” Holland said Friday. “Today’s a new day. They’ll call on me again. It’s frustrating, but it’s over.”
Holland, a 24-year-old left-hander, came into Game 2 with two outs in the bottom of the eighth inning, a runner on first, and the Giants leading the Rangers, 2-0. He threw 11 balls before his first strike, then threw another ball before he was removed.
Three batters. Three walks. Twelve balls, one strike. All the runners scored, leaving Holland with an infinite earned run average for the World Series.
Since Holland failed to retire a batter, he technically didn't "pitch" an inning, so the quotient in this case is zero. When I was learning math back in the day, I was taught that anything divided by zero was "undefined," which didn't necessarily mean the same thing as "infinity." Has the consensus in this field changed since I was in school? Since the Texas Rangers have a team ERA that is numerically defined (10.69, to be exact), it would seem impossible for one of the component parts of that team statistic to be equal to infinity. Wouldn't it be more accurate to say that Holland has failed to register an ERA in the World Series?
October 26, 2010
1. Can you talk about "Mad Men?" Yes. It pretty much encompasses all of my cultural thinking.So according to this quiz, 16 of 27 answers would identify me as a Red State, potato-eating, Fly-over country, teabagging lumpenprole. Crap.
2. Can you talk about the "The Sopranos?" Yes.
3. Do you know who replaced Bob Barker on "The Price Is Right?" Drew Carey, right?
4. Have you watched an Oprah show from beginning to end? Probably, but I can't say for sure. It may have been when she was still doing shows about Satanic cults molesting children.
5. Can you hold forth animatedly about yoga? No.
6. How about pilates? No.
7. How about skiing? No. Never skied in my life, not once.
8. Mountain biking? No.
9. Do you know who Jimmie Johnson is? Yes, but I know more about who Jimmy Johnson is. Haven't really paid much attention to NASCAR since Dale Earnhardt died.
10. Does the acronym MMA mean anything to you? Yes. It means the games I want to watch on Saturday are going to be preempted at South.
11. Can you talk about books endlessly? Yes.
12. Have you ever read a "Left Behind" novel? No.
13. How about a Harlequin romance? No. Both 12 and 13 are an extremely cliched notion of what's popular in Red State America (as is 9, for that matter)
14. Do you take interesting vacations? As opposed to uninteresting vacations? Sure.
15. Do you know a great backpacking spot in the Sierra Nevada? Yes. It's called Yosemite, and it's one of the most visited sites on the planet.
16. What about an exquisite B&B overlooking Boothbay Harbor? Until reading the Murray column, I had never heard of Boothbay Harbor, so I suppose the answer is no.
17. Would you be caught dead in an RV? If I had the money to buy one and the affluence not to work, I wouldn't mind in the slightest. In fact, I'd probably drive tween Yosemite and Boothbay Harbor. I once even spent the night in my grandpa's RV up in Kernville.
18. Would you be caught dead on a cruise ship? Dumb question. Cruise ships vary between the ultra-luxury variety (ie., Crystal, Silverseas), the premium ships most people think of when they of cruising (like Princess or Cunard) and the three-day booze cruises down to Ensenada. Had Murray really wanted to nail his point, he would drawn the distinction, and said that the New Elite "wouldn't be caught dead" on a Carnival or Royal Caribbean ship, where many of the passengers probably also vacation in Branson and read Paul LeHaye. But since he didn't, yes, I would, and in fact, do.
19. Have you ever heard of of Branson, Mo? Yes, but I wouldn't be caught dead there.
20. Have you ever attended a meeting of a Kiwanis Club? No.
21. How about the Rotary Club? No.
22. Have you lived for at least a year in a small town (besides college)? No. Other than college, I've lived in LA my whole life. So far.
23. Have you lived for a year in an urban neighborhood in which most of your neighbors did not have college degrees? No.
24. Have you spent at least a year with a family income less than twice the poverty line (other than college)? Yes.
25. Do you have a close friend who is an evangelical Christian? Several, in fact.
26. Have you ever visited a factory floor? Yes.
27. Have you worked on one? No.
September 28, 2010
The nation's overburdened foreclosure system is riddled with faked documents, forged signatures and lenders who take shortcuts reviewing borrower's files, according to court documents and interviews with attorneys, housing advocates and company officials.In fact, Mr. Stephan isn't the only "affidavit slave" to have admitted signing documents in support of foreclosures without having actual knowledge that the information he was verifying was true and accurate; a second robosigner was uncovered last week at Ally, and an employee of JPMorgan Chase copped to the same mistake in May, admitting that her eight-person team had been signing off on 18,000 documents a month used in support of foreclosures.
The problems, which are so widespread that some judges approving the foreclosures ignore them, are coming to light after Ally Financial, the country's fourth-biggest mortgage lender, halted home evictions in 23 states this week.
During the housing boom, millions of homeowners got easy access to mortgages while providing virtually no proof of their income or background. Now, as millions of Americans are being pushed out of the homes they can no longer afford, the foreclosure process is producing far more paperwork than anyone can read and making it vulnerable to fraud.
Ally Financial is now double-checking to make sure all documents are in order after lawsuits uncovered that a single employee of the company's GMAC mortgage unit, a 41-year-old named Jeffrey Stephan, signed off on 10,000 foreclosure papers a month without checking whether the information justified an eviction.
Even more sinister may be the use of fraudulent loan documents, such as assignments between lenders, to justify claims of standing. According to the Post,
In Georgia, an employee of a document processing company, Linda Green, for years claimed to be executives of Bank of America, Wells Fargo, U.S. Bank and dozens of other lenders while signing off on tens of thousands of foreclosure affidavits. In many cases, her signature appeared to be forged by different employees.This doesn't even begin to encompass all the home mortgage transactions that utilized the very questionable legal entity knows as "MERS" as a placeholder for high-risk loans, in order to avoid paying recording fees in local counties. More than a few assignments from MERS to the alleged noteholder include signatures from robosigners employed by the very lenders seeking to claim title to the property.
Green worked for a foreclosure document company owned by Lender Processing Services. The company is being investigated by a U.S. attorney in Florida for allegedly using improper documentation to speed foreclosures.
Lenders have already started to withdraw foreclosures that had Green's name on them.
Green also submitted to courts documents that listed "Bogus Assignee" as the owner of a mortgage instead of the real name. In another case, she signed as the vice president of "Bad Bene," a made-up company.
The use of foreclosure mills in judicial foreclosure states like Florida, where judges must sign off on sales beforehand, has created an aggressive and active counterreaction, from attorneys representing desperate homeowners who cannot turn to bankruptcy to modify their loans to reflect the actual value of their depressed property. The failure of Congress to provide the most equitable free market remedy, the cramdown, has meant that many homeowners who caught a tough break in the recent past, and/or overborrowed at the peak of the Bubble, but who now have the financial stability to resume paying their obligations, are unable to obtain realistic terms for future mortgage payments based on the actual value of their houses, and must either abandon the dream of homeownership or throw the Hail Mary. However, anything that mucks up the machinery of the already overburdened foreclosure system will lead to higher costs beforehand, even where the homeowner has surrendered the property, thus complicating the process of getting homes back on the market, and hurting the short-term recovery in housing.
In non-judicial states, where an expedited process allows lenders to avoid the courts in exchange for waiving additional efforts at recovering the debt, the problem is only slightly less acute. Robosigners are involved in fewer transactions, but since those tend to be at the beginning of the process rather than the end, any mistakes could prove especially costly for the banks. In California, recent loans are subject to a requirement that lenders must first contact the delinquent borrower at least thirty days before a notice of default is sent out to discuss repayment options; those affidavits in support tend to be signed by clueless out-of-state pencil pushers who have little contact with the file, and who often use the same tactics as their brethren in Florida. The combination of an especially acute housing crisis in California combined with a very large legal profession will see an explosion of litigation in this area before too long.
September 13, 2010
...America is an immensely creative country, very inventive, extraordinarily dynamic, meaning that things change in America at a staggering pace. Not only do Americans derive fantastic benefits from this, but the entire world derives great benefits from it, from the things that Americans invent and create. And this … nature that we have (which is not truly nature or truly natural) … of giving one another space to ignore the rules and do whatever we think is right is central to our creativity, our inventiveness, and to the power of American society to stagger, adjust, and rush forward.He's writing specifically about baseball's tendency to produce "cheaters" like Babe Ruth, Barry Bonds, Branch Rickey, and Roger Clemens, but one could also include athletes such as Reggie Bush, who in his efforts to support his family while in college has taken more excoration, and held to a greater standard of accountability, than a more powerful political figure with the same last name has over the Iraq War. As James points out, our obsession with punishing these "cheats" leads us to ignore far more serious transgressions.
September 08, 2010
September 06, 2010
Perhaps the most disappointing aspect of the Obama Presidency so far as been the passive role his administration has taken concerning the primary cause of the Great Recession, the collapse of the housing bubble. The HAMP program has been an unqualified failure, at least from the perspective of enabling financially-shaken borrowers an opportunity to modify their loans at rates closer to the current value of their properties; the recent revelation that the Administration was more concerned about creating a program that would stall the inevitable foreclosures for a period of time long enough for banks to get a breather indicates that the lowly consumer was not at the top of Obama’s agenda.
In other areas, too, the Obama Administration has acted in a manner more consistent with being the allies of the banks that gave out the bad loans than trying to aid the borrowers unlucky enough to have been saddled with them. There is nothing to indicate that those banks (I’m talking to you, IndyMac and Aurora) that have been least interested in modifying delinquent mortgages are being made to pay a price for their coldheartedness. Of course, it’s not just the executive branch that has chosen to do nothing; so-called conservatives and libertarians, hearing their master’s voice, fought against restoring free market principles when it meant ending the cramdown prohibition to residential property in bankruptcy. If anything, the policy that the brunt of the housing bubble collapse should be borne by the homeowner has been bipartisan.
Seemingly, with no support coming from either side, and with the cavalry nowhere to be found, middle class homeowners have to fend for themselves, either coming up with funds they don’t have to cure huge arrearages on modest homes they can no longer afford, or losing their homestead to foreclosure. However, as we all learned in school, nature abhors a vacuum, and with bankruptcy an ineffectual option in most cases, more enterprising solutions are being found by the one group with a financial interest in exploiting this situation: lawyers for consumer debtors.
This New York Times article, about an attempt in
Florida’s foreclosure mess is made murkier by what analysts and lawyers involved in the process say are questionable practices by some law firms that are representing banks. Such tactics, these people say, have drawn out the process significantly, making it extremely lucrative for the lawyers and more draining for troubled homeowners.Although the article focuses on the difficulties the Florida system has given those who represent homeowners in foreclosure litigation, perhaps the more telling issue, a lede buried in the article, is the fact that increasingly in states like Florida and California (which uses a non-judicial system of foreclosure), homeowners are aggressively using the courts to fight foreclosures. This phenomenum, which was almost unheard of a decade ago, has proven to be a godsend to struggling borrowers, who can now use the same shortcuts the banks developed to save money when it was bundling high-risk loans during the heyday of the Housing Bubble against the banks.
Doctored or dubious records presented in court as proof of a bank’s ownership have become such a problem that Bill McCollum, the Florida attorney general, announced last month that his office was investigating the state’s three largest foreclosure law firms representing lenders.
(snip)
To be sure, adjudicating foreclosure cases is difficult, complicated by multiple transfers of mortgages and notes when a loan is sold, bewildering paperwork submitted by loan servicers and shoddy record-keeping by the many institutions that touched the mortgages during the byzantine securitization process that fueled the housing boom.
Nevertheless, Florida law requires that before a financial institution can foreclose on a borrower, it must prove to the court that it actually has the standing to do so. In other words, it has to show that it is truly the owner. And this is done by demonstrating ownership of the note underlying the mortgage.
Borrowers’ lawyers say they confront dubious practices, often involving false documentation “proving” who owns the note on a given property. Typically, they say, this involves questionable affidavits asserting ownership of a note because the actual document has been lost or cannot be produced. Because the affidavits are often signed by bank representatives who have a stake in the outcome, they should not be allowed as evidence, borrowers’ lawyers say.
Challenging the lender's standing to foreclose has opened up a new front in the housing wars, a transition away from bankruptcy as the last recourse for the Forgotten American trying to stop foreclosures. Since litigation, real or threatened, can be more expensive to institutional lenders than negotiating an equitable modification of a loan, especially since the resale of foreclosed homes becomes more problematic when there is a lis pendens attached, this gambit holds the promise of being a more efficient way of saving your home, while at the same time being less expensive to the consumer than a bankruptcy filing or a HAMP agreement.
August 25, 2010
First Mike Garrett, now this clown:
Former star USC quarterback and NFL player Pat Haden guested on the Dan Patrick Show today. Haden, who was recently hired as USC Athletic Director, was asked by Patrick during the interview: “If you were Reggie Bush, would you give back the Heisman?”So, if Reggie Bush had the soul of a super-rich equity-swapping corporate lawyer from LA, he would have "returned" the Heisman Trophy he won five years ago, for violating the NCAA's malum prohibitum bar on receiving money to play football. Similarly, if Pat Haden had Reggie Bush's soul, he would have returned the money he was paid by the Rams from 1976 to 1981 for impersonating an NFL quarterback.
Haden, after a long pause and sigh, replied:
“If I were Reggie Bush with Pat Haden’s soul, yes.“
Patrick: “Does he have your soul?”
Haden: “I don’t know Reggie Bush.”
August 11, 2010
July 14, 2010
Coach K will still have notables like Chauncey Billups, Rudy Gay, Amar'e Stoudemire, Kevin Durant and Derrick Rose at his disposal, which should provide a stronger, younger nucleus for London in 2012. Moreover, since the US has not won the title since 1994, in spite of having access to NBA talent (the 2002 team, playing at home in Indianapolis, finished sixth, in spite of having Paul Pierce, Jermaine O'Neal, Baron Davis, Ben Wallace, and Michael Finley on the roster), any sort of victory that doesn't rely on having Kobe Bryant (injured) carry the load again will be appreciated.
July 12, 2010
Dutch football legend Johan Cruyff has launched a scathing attack on Netherlands' display in the World Cup final, deriding it as "anti-football".Spain may well be the most unexplosive, least feared team to win the World Cup since England in 1966. Winning four consecutive games by a score of one to nil will do that to your reputation, as well as an offense that achieved the dubious distinction of scoring eight goals in the entire tournament, the fewest of any champion in the tournament's history. Which isn't to suggest that Spain's title was undeserved, since there was nothing flukish about any of their wins; this was definitely not your father's Spanish team, the Cleveland Cavaliers of soccer. But as the Swiss showed in the opener, Spain was a very beatable team, and most of the squads that participated in this World Cup, including the U.S. and Mexico, would not have needed to elevate their game that much to match what Switzerland did.
The Dutch received nine yellow cards, and a red card for Johnny Heitinga, as they lost 1-0 to Spain in South Africa.
"Sadly, they played very dirty," Cruyff told Spanish newspaper El Periodico.
"This ugly, vulgar, hard, hermetic, hardly eye-catching, hardly football style... If with this they got satisfaction, fine, but they lost."
(snip)
Cruyff, along with many others, believed Mark van Bommel and Nigel de Jong were lucky not to be sent off before half-time, Van Bommel for a tackle from behind on Iniesta and De Jong for kicking Xabi Alonso in the chest.
"They should have been down to nine immediately, then they made two [such] ugly and hard tackles that even I felt the damage," said the 63-year-old Cruyff.
"It hurts me that Holland chose an ugly path to aim for the title."
July 10, 2010
That is itself an interesting story. Head-to-head, Spain and Holland both had 2-1 wins against the other at home, so the matter of qualifying came down to how well they fared against the other teams in that group; specifically, who could pound the bottom team in their group, Malta, by the most goals. The sport of soccer not having figured out yet that games needed to be played simultaneously to maintain integrity when something like goal differential was involved as the tie-breaker, Spain went into the final qualifying game knowing that if it beat the Maltese by eleven or more goals, it would qualify for the 1984 European Championships. The Dutch, having played their final game four days earlier, could only sit on their hands and watch.
Spain scored first that night, but Malta came right back and tied the game up ten minutes later. After 25 minutes, the game was tied, but the Spanish scored two quick goals to retake the lead. That's where the game still til halftime, 3-1; Spain needed to somehow score nine goals in the second half to win the group. Which it then proceeded to do, obliterating Malta 12-1, and sending them on their way to the Euros, where they finished second. This they managed in spite of the fact that Spain had not scored more than three goals in a game up to that point, and had not beaten anyone by more than two goals. A fishy result for all concerned, one that still rankles the Dutch:
July 09, 2010
The teams also met in a first-round battle in 1986, resulting in a 1-1 draw. The West Germans thoroughly dominated the game, but had to play catch-up almost the entire way after a bone-headed back pass by the usually dependable Thomas Berthold allowed Uruguay a cheap early goal. Relentless pressure paid off for the Germans in the final ten minutes, allowing both teams to walk away with a point:
But it was back in 1970 that the two countries played each other in a game that, like tomorrow's, really didn't matter, for third place. The Germans, incorporating some of the stars of the team that would dominate '70's soccer, had breezed through the first round, winning all three of their games, then rallied from two goals down in the second half to stun the defending champions, England, in overtime, 3-2, thereby defeating their historic rival for the first of many times. In the semis, against Italy, they played one of the classic games in the history of the World Cup, a see-saw, back-and-forth game that saw three lead changes, an injury time goal by the Germans to tie the game at the end of regulation, and five extra time goals before the Azzurri finally won, 4-3.
Uruguay, on the other hand, had played a distinctly unmemorable tournament, scoring a grand total of four goals in five games (half of them in their opener against Israel). Somehow, they finagled their way it into the semis, where they took an early lead, but were promptly and easily dumped by future champ Brazil, 3-1. Having done absolutely nothing to merit their high placement, and playing against a German team that had played 240 minutes of soccer in the previous five days, Uruguay then proceeded to have its best game of the Cup, but to no avail, losing 1-0. The highlights:
There used to be a consolation game in the NCAA tournament, not only between the two Final Four losers, but even between the two losers of the regional semifinals, but since neither the fans nor the teams were particularly psyched about a game that had little in the way of relevance, the practice was discontinued after 1980. FIFA soldiers on with the idea, however, and the game tends to be an aperitif to the main course the following day.
July 07, 2010
But when I'm reading blogs that are ostensibly on my side of the debate, I really don't give a shit about why you can't get on the Sunday talk shows, or how awful it is that the MSM was so nice to Bush in the run-up to Iraq. Here's a clue: angry, whiny ass-clowns may be right, and have mucho integrity, and may spark the flame of social justice, but it's the quiet, shrewd people who actually accomplish something. It's the difference between Abe Lincoln, who freed the slaves, and William Lloyd Garrison, who didn't.
July 06, 2010
The first game, in 1966, was the final game of group play; Spain, then as now, was the defending European champions, but thanks to a loss in their opening game to Argentina, needed a win to advance, while the then-West Germans needed only a tie. The Spanish took a quick early lead, only to wilt beneath the future Cup finalists, losing 2-1. It is a game remembered, if at all, for this spectacular impossible-angled shot by Lotthar Emmerich to tie the game late in the first half. For more of a taste of what this game looked like to a mid-60's TV viewer in Great Britain, here's the broadcast of the first ten minutes, complete with an opening musical montage of Masterpiece Theatre and NFL Films:
The most recent game came in 1994, another group play game that ended in a 1-1 draw. Both teams were playing in the easiest group, although Spain had to settle for a tie in its opener, against South Korea, so the result suited the occasion. A German-language broadcast of the game:
But it was the second game that has always been a dagger in Spanish hearts, in 1982. Spain had gone into the Cup as one of the favorites, especially since they were the host nation, but again got off to a slow start, needing a late penalty kick to tie Honduras in their opener (notice a pattern?). They came from behind to defeat Yugoslavia, 2-1, in the next game, but again after earning a penalty kick under very questionable circumstances. West Germany also got off to a terrible start that year, being shocked its group opener to Algeria, 2-1, then getting its mojo back in a decisive 4-1 victory over Chile.
Because of the brilliant manner in which FIFA scheduled World Cup games back then, the final games in group were not played simultaneously, so both Germany and Spain knew what they needed to do to advance to the second round. Since Algeria had lost its second game (0-2, to Austria), but had won its third (3-2, vs. Chile) the day before, Germany and Austria found themselves in the serendipitous position of both being able to qualify if the appropriate result could be attained, which, as it so happens, was for Germany to win by a margin of less than three goals. Which, against no odds, they did. Germany scored ten minutes in to take the lead, and the two teams conspired thereafter to play kick-the-ball-around for the next eighty or so minutes before the ref mercifully blew the whistle, sending both teams through to the second round, and eliminating Algeria. As befits the most blatantly rigged result since the 1919 World Series, the game has its own Wikipedia page.
Almost forgotten is the fact that both Spain and Northern Ireland were in the same position when their game started two hours later. Both teams would advance if Northern Ireland won the game, 1-0, whereas a scoreless tie would eliminate the Men of Ulster, whilst a margin of defeat greater than a goal would knock out the Spanish. Maybe it was the fact that Northern Ireland had a man red-carded in the first half, or the fact that neither team could score early, but more likely the fact that the winner would get to play in a weaker second round group, this game ended up being one of the more exciting, hard-fought games of the first round, with Spain losing in the end, 1-0. No Anshcluss here, please.
For the second round in 1982, FIFA had another inspired idea: after having played the previous two World Cups with two four-team round-robin qualifying groups leading directly into the Finals, it juiced up the proceedings by creating four three-team groups, with the winners reaching the semi-finals. The only problem is that all three teams could not be playing simultaneously; one of the teams would play its second game against an opponent playing its first. That would be fine if the opening game resulted in a win or loss, but if the game drew, then the team playing its opener a few days hence would be instantly eliminated if it lost.
As it so happens, Spain and Germany were, along with England, put into the same group, and Germany and England drew its opener, making the Germany-Spain match-up that followed a sudden death result for the loser. Under massive national pressure, Spain again fell short, losing heartbreakingly 2-1, and suffering one of the earliest knock-outs of a host nation in World Cup history.
Needless to say, Spain can exorcise quite a few demons with a win tomorrow.
Their opponents, Holland, was the team that everybody was looking forward to watching, with the best player in the world at the time, Johann Cruyff, and a supporting cast much to be envied (Neeskens, Rep, Rensenbrink, Surrbier, etc.). But they hadn't played in the World Cup recently, and no one knew exactly how they would handle the Big Time when they stepped onto the field against Uruguay. The highlights below of their 2-0 victory hardly do justice to their dominance:
The score could have easily been 6-0, and was the first sign that year the balance of power was shifting in the sport. Uruguay was quickly eliminated in 1974, and thereafter disappeared from the ranks of the sport's powers, at least until this year.