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May 7, 2010

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Total Comments: 3 (view all)

I am so excited to see the progress Las Vegas is making with the building of the Smith Center! Finally, residents will have a cultural center, which has been sorely needed, to begin the process of making our community more cohesive and well-rounded. I cannot wait until the opening in March!

(Suggest removal) 7/25/11 at 7:36 a.m.

I think the banks have the power to turn around this housing crisis by offering one of three different solutions to homeowners:
1.) Allow homeowners to "Short-sell" their house to themselves. This is the same as short-selling to a stranger and most likely will result in more revenue than from a foreclosure.
2.) Allow homeowners to refinance their current mortgage with the current 30-year fixed rates of 4.48%. Most responsible homeowners who took out 30-year fixed rates at the height of the market are locked into 6-plus% rates. Those considering strategic defaults are smart enough to figure out that 1.5 percentage points equals a lot of money over 30 years in interest. Currently, one has to have 20% equity in the property. As someone who lost the $300,000 (which was 30% down on $1,000,000) I put on my property in 2005, I have no hope of refinancing my 6% fixed rate unless I win the lottery.
3.) Allow homeowners a one-time principal reduction to the current market-value of the home with a clause that ensures the bank will recoup the difference between the current mortgage and the reduced mortgage that is made in a subsequent sale (minus any commissions for the sale of the property). This allows homeowners to pay a mortgage on the current value right now, and the freedom to sell the property if needed. But allows the banks the ability to collect the most value from the property during a sale, something that won't happen if a homeowner just forecloses.

Many people like me are just waiting it out and may at some point in the next few years decide to default. We all want to honor our commitments, but we were not disclosed the bad lending practices of the banks at the time of signing loan docs. We relied on the appraisal we paid for prior to signing our loan docs. We assumed that all borrowers were vetted in the same manner with strict lending standards and the banks ensured the borrower could repay the loan. We were victims of fraud and our contracts should not be considered valid. That being said, I think most of us would like to have some reasonable options provided to us by the banks. Soon, those of us who have integrity and honor, will begin to realize that we are not ever going to be above water in our lifetime, and stand up for ourselves. Not to harm others, but to begin the healing process for our own individual financial situation. The banks could soften the inevitable blow or they can continue to ignore the potential strategic defaulters just waiting in the wings and make it worse for everyone in the long run.

(Suggest removal) 9/3/10 at 11:06 p.m.

This is a travesty of justice and should be overturned on appeal. As a nurse, I have administered Propofol to patients in a variety of settings from the ICU to the Cath Lab. It is a great drug for sedation, but MUST be administered under certain guidelines, most importantly being aseptic technique. This where the breakdown occurred, not in the availability of the size of the vials. Given a 75 kg pt for a short procedure such as a colonoscopy, on average a doctor would give about 10-15 cc to induce, but that would only last about 2-3 minutes. If a longer sedation time was needed, it is recommended to infuse with a drip 15 to 50 cc/hr on a pump. There goes your 50 or 100 cc vial of Propofol on one 75 kg patient. THAT is why the vials are "so big". Plus, how is the manufacture of the drug supposed to know how the end user will use the drug. As was drilled into me from DAY ONE in my medical/nursing training, it is ALWAYS the responsibility of the administrator of the drug to administer the drug properly. And just in case someone forgot patient care standards, I looked at a Propofol vial and it is very clearly marked "Single Patient Use Only". So how did the manufacturer get sued in the first place.....oh that's right, the people who are truly at fault are also broke.

(Suggest removal) 5/7/10 at 8:20 a.m.

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