The Ides of March hath come, Julius Caesar tells the soothsayer who had told the ruler to beware the Ides of March. That's today, March 15.
Aye, but not yet gone, is the seer's answer.
What has this Shakespeare scene to do with mortgages? Well, lots.
First, there was the warning. There were lots of warnings. One of the first was from yours truly last summer, in a piece for the Norwalk Hour and its weeklies.
http://www.thestamfordtimes.com/stamford_templates/stamford_story/329697701106213.php
In essence, the experts in the story were saying that these subprime mortgages were dangerous because the borrowers could barely make their payments under the best of circumstances. Any gap in income caused by job loss or sickness, or any unexpected expense such as a car failing would throw them into a financial black hole from which they could not escape.
Many if not most of the subprime loans were variable-rate mortgages whose interest rates change every few years or even every few months. The borrowers may have thought they could renegotiate more favorable terms based on an increase in how much their homes are worth. That's not happening -- if anything, house prices are declining.
As the houses purchased by subprime borrowers go back on the market after foreclosure or surrender, and as all buyers sit on the sidelines as interest rates go up and as lenders become more selective, house prices will go lower because of supply and demand.
Is this unusual or the start of a house collapse? No, it's part of the normal cycle. It happened in the early 1990s, but that one was worse than this one will be because of the huge numbers of condominiums coming on the market 16 or 17 years ago. This cycle will work itself out as house and condo prices get low enough to entice buyers.
The first act of the drama that's playing out now. It's not over by a mile.
As my story predicted, there are many other dangerous trends that are playing themselves out that will involve prime borrowers.
Those who may be affected are people who borrowed against the equity in their homes using second mortgages, home equity loans and lines of credit to buy cars and pay down credit cards. Equity is the amount a house is worth after the mortgage and other debts are subtracted.
Interest on home loans is tax-deductible, while interest on credit card and auto debt is not. So it may make sense to borrow against the equity, as long as you can comfortably absorb the payments.
According to USA Today, 43 percent of home buyers were financing the entire cost of the home with no down payment. Many others were putting down as little 2 percent. That's not much of a cushion.
Most of these borrowers are counting on their homes increasing in value. Over the long run, it's a good bet. But if sickness or job loss enters the picture, and the mortgage is for more than the house is worth, then there's a problem.
That's what may happen to some borrowers. People who were paying only the interest on their mortgages, people who borrowed 125 percent of their home's value and others who went into negative amortization loans could be in trouble if they had to sell quickly. Negative amortization is where the debt piles up quicker that it's being paid off.
As Nick Perna, an economist who does work for Webster Bank has said, all these strategies are good if you do your homework.
But if you did not plan realistically, if you did not leave a cushion and you've gotten in over your head, then metaphorically, you may end up like Caesar. The Ides of March may have come but not yet gone for you.
Thursday, March 15, 2007
Wednesday, March 14, 2007
A few comments on New Haven events
It's a sad day in New Haven.
Of all the cops on a police force, the most honest, most trustworthy must be the dope squad.
Because dope dealers don't carry around credit-card machines, the dope business has always been a cash business. Dope costs lots and because dope dealers have a reputation for being particularly nasty, their customers need to get lots of cash to give them. The way they get that cash is where ordinary citizens are drawn into their world, usually as victims of other crimes such as burglary, robbery and assault and, too often, homicide.
And because this is a big-time cash business, the possibility of sticky fingers also is present. That's why dope cops must be so honest.
And that's why it's so shocking when they're not and why the FBI charges against the two New Haven cops are so concerning.
See the New Haven Independent's excellent coverage of the story, starting with http://www.newhavenindependent.org/archives/2007/03/billy_white_bai.php
Of course, it should be noted that these are just allegations. Everybody is considered innocent until a judge or jury pronounces them guilty. But this is just another black eye for New Haven.
On another note, the New Haven Independent story http://www.newhavenindependent.org/archives/2007/03/amistad_looks_t.php about the Jewish Home for the Aged putting its Hill neighborhood facility up for sale and planning to move to the Jewish Community Center campus may be concerning to some people. It's not to me.
I just returned from visiting my step-mother (she's really been like a mother to us, but I want to be precise) in Rockville, Md.
The Jewish center campus in Rockville is a wonderful, awe-inspiring, huge place. The campus contains a rehab center, assisted living apartments, a home for the aged, a Jewish Community Center, kosher eating facilities -- in other words, a complete Jewish center. This is what every Jewish Community Center should be.
Revitz House is the building in which my mom lives. Activities? Posters on the day's activities take up the the three walls of the large elevator. Each day, buses go to the nearby shopping centers and malls. There is transportation to doctors' offices, hospitals for out-patient care, and the like. The grounds are magnificent. There's parking for scores of residents' cars, and the spots are full.
When my mom needed rehab after surgery, the Wasserman center was just down the sidewalk from her building, so her friends could visit. If someone is unable to care for themselves, the home or homes for the aged are right there. Revitz house residents can walk to visit spouses or friends in these facilities, and do so daily.
The facility is a couple of blocks away from the Rockville Pike, a main drag in Rockville, with malls and shopping centers cheek by jowl for miles. The only problem with the New Haven-area JCC is that it's so far removed from shopping and medical facilities, and one cannot see Woodbridge allowing a Route 1-type development on Amity Road.
A concerted effort must accompany any development of the campus to provide transportation, both for residents as well as those who wish to visit them.
Of all the cops on a police force, the most honest, most trustworthy must be the dope squad.
Because dope dealers don't carry around credit-card machines, the dope business has always been a cash business. Dope costs lots and because dope dealers have a reputation for being particularly nasty, their customers need to get lots of cash to give them. The way they get that cash is where ordinary citizens are drawn into their world, usually as victims of other crimes such as burglary, robbery and assault and, too often, homicide.
And because this is a big-time cash business, the possibility of sticky fingers also is present. That's why dope cops must be so honest.
And that's why it's so shocking when they're not and why the FBI charges against the two New Haven cops are so concerning.
See the New Haven Independent's excellent coverage of the story, starting with http://www.newhavenindependent.org/archives/2007/03/billy_white_bai.php
Of course, it should be noted that these are just allegations. Everybody is considered innocent until a judge or jury pronounces them guilty. But this is just another black eye for New Haven.
On another note, the New Haven Independent story http://www.newhavenindependent.org/archives/2007/03/amistad_looks_t.php about the Jewish Home for the Aged putting its Hill neighborhood facility up for sale and planning to move to the Jewish Community Center campus may be concerning to some people. It's not to me.
I just returned from visiting my step-mother (she's really been like a mother to us, but I want to be precise) in Rockville, Md.
The Jewish center campus in Rockville is a wonderful, awe-inspiring, huge place. The campus contains a rehab center, assisted living apartments, a home for the aged, a Jewish Community Center, kosher eating facilities -- in other words, a complete Jewish center. This is what every Jewish Community Center should be.
Revitz House is the building in which my mom lives. Activities? Posters on the day's activities take up the the three walls of the large elevator. Each day, buses go to the nearby shopping centers and malls. There is transportation to doctors' offices, hospitals for out-patient care, and the like. The grounds are magnificent. There's parking for scores of residents' cars, and the spots are full.
When my mom needed rehab after surgery, the Wasserman center was just down the sidewalk from her building, so her friends could visit. If someone is unable to care for themselves, the home or homes for the aged are right there. Revitz house residents can walk to visit spouses or friends in these facilities, and do so daily.
The facility is a couple of blocks away from the Rockville Pike, a main drag in Rockville, with malls and shopping centers cheek by jowl for miles. The only problem with the New Haven-area JCC is that it's so far removed from shopping and medical facilities, and one cannot see Woodbridge allowing a Route 1-type development on Amity Road.
A concerted effort must accompany any development of the campus to provide transportation, both for residents as well as those who wish to visit them.
Wednesday, March 7, 2007
Where's he been????
Well, good day after a long hiatus. Sorry that I've been away. A few of you have written to say you enjoy these ramblings. Thank you much. I do appreciate.
So much has happened since the ides of February....won't try to catch up. Nothing more stale than yesterday's news.
Speaking of yesterday's news, Gannett, Inc., the nation's largest newspaper chain and my former employer, (The Journal News and USA Today) has purchased The Stamford Advocate and Greenwich Time (no, it's not times, it is time) from the Tribune company, another former employer (New York Daily News).
Gannett forked over some $73 million, which is a bargain compared to the bloated prices paid for the New Haven Register in the 1980s and the then-Bridgeport Post, now Connecticut Post, in the late 80s or early 90s. Those went for nine figures each.
It also makes sense from circulation and editorial standpoints of The Journal News, although I'm not sure how well the readers will be served.
When they belonged first to the L.A. Times, then to Tribune, Stamford and Greenwich could carry in-state stories generated by The Hartford Courant and regional Newsday stories, as well as their own work.
They won't have that, but they still will have work generated by Gannett News Service in Albany and the local stuff generated by The Journal News. It's not that The Journal News (TJN) doesn't have the talent to cover the region. The only question is if Bob Fredericks and his crew have the horses.
The New York crew, especially the news and copy desks, will also have to go to school on how things work in Connecticut.
In Westchester, Putnam and Rockland, it's county this and county that. School districts don't match municipalities...at there are two school districts that even cross county lines. There are hamlets and villages and towns. What's a neighborhood in Stamford and Greenwich are villages with their own mayors and boards and police and fire in Westchester.
In Connecticut, towns and school districts are the same. Connecticut has, by statute, 169 towns. If you come into New Haven, population of 120,000 or so thousand, you may see a sign that says Town Line. So what.
In Westchester, the quickest way to get into a fistfight is to call a village a town and a town a city.
In Connecticut, Groton is a city and a town and is the only town and city that has separate town buildings. In Westchester, there are many such duplications.
From a circulation and advertising standpoint, it makes sense. With Danbury on the block or sold, Westchester and Putnam now have more to sell. There may be an excuse to reintroduce zoning, which a lot of people in Westchester miss.
TJN may be able to work out better in the Richfields and New Canaan and other tony places and do battle with Norwalk and Bridgeport.
Anyway, it's a good deal.
Gotta go, but not before I say good luck to an old buddy, David McKay Wilson, who is leaving TJN to do this blogging for a living. David is a journeyman who worked for papers in Connecticut including the New Haven Advocate. I hope he does well. He's a great digger and is dedicated to finding and telling the truth and let the devil take the hindmost.
Best of luck, Dave. Give 'em hell.
So much has happened since the ides of February....won't try to catch up. Nothing more stale than yesterday's news.
Speaking of yesterday's news, Gannett, Inc., the nation's largest newspaper chain and my former employer, (The Journal News and USA Today) has purchased The Stamford Advocate and Greenwich Time (no, it's not times, it is time) from the Tribune company, another former employer (New York Daily News).
Gannett forked over some $73 million, which is a bargain compared to the bloated prices paid for the New Haven Register in the 1980s and the then-Bridgeport Post, now Connecticut Post, in the late 80s or early 90s. Those went for nine figures each.
It also makes sense from circulation and editorial standpoints of The Journal News, although I'm not sure how well the readers will be served.
When they belonged first to the L.A. Times, then to Tribune, Stamford and Greenwich could carry in-state stories generated by The Hartford Courant and regional Newsday stories, as well as their own work.
They won't have that, but they still will have work generated by Gannett News Service in Albany and the local stuff generated by The Journal News. It's not that The Journal News (TJN) doesn't have the talent to cover the region. The only question is if Bob Fredericks and his crew have the horses.
The New York crew, especially the news and copy desks, will also have to go to school on how things work in Connecticut.
In Westchester, Putnam and Rockland, it's county this and county that. School districts don't match municipalities...at there are two school districts that even cross county lines. There are hamlets and villages and towns. What's a neighborhood in Stamford and Greenwich are villages with their own mayors and boards and police and fire in Westchester.
In Connecticut, towns and school districts are the same. Connecticut has, by statute, 169 towns. If you come into New Haven, population of 120,000 or so thousand, you may see a sign that says Town Line. So what.
In Westchester, the quickest way to get into a fistfight is to call a village a town and a town a city.
In Connecticut, Groton is a city and a town and is the only town and city that has separate town buildings. In Westchester, there are many such duplications.
From a circulation and advertising standpoint, it makes sense. With Danbury on the block or sold, Westchester and Putnam now have more to sell. There may be an excuse to reintroduce zoning, which a lot of people in Westchester miss.
TJN may be able to work out better in the Richfields and New Canaan and other tony places and do battle with Norwalk and Bridgeport.
Anyway, it's a good deal.
Gotta go, but not before I say good luck to an old buddy, David McKay Wilson, who is leaving TJN to do this blogging for a living. David is a journeyman who worked for papers in Connecticut including the New Haven Advocate. I hope he does well. He's a great digger and is dedicated to finding and telling the truth and let the devil take the hindmost.
Best of luck, Dave. Give 'em hell.
Thursday, February 15, 2007
Who's surprised
Just a few words about the latest and greatest from the Middle East.
Abu Mazen, the Fatah head of the Palestinian Authority and successor to Yasser Arafat, has told his Hamas counterpart to form a government.
That government will be formed based on the framework brought back from the Mecca, Saudi Arabia, meeting last week.
There are three elements that must be there for Israel, the U.S. and the European Union to bless any new government and, more importantly, resume the flow of money to the Arabs who, due to their behavior, have been cut off.
Guess how many of the three elements: the recognition of Israel's right to exist, the renouncing of violence as a political tool and the acceptance of the agreements entered into before the election that (surprise to nobody except President Bush) put Hamas in charge of the Palestinians.
C'mon, guess. How many are there. That's right: none. Zero. Zilch. Nada.
Surprised? If you are truly surprised, please don't feel bad. Someone has to play Fredo (I'm smart) Corleone. There has to be someone to bring down the curve.
So, they will go through the process, although its passage has as much chance as a fix-up in the Old City without the Arabs screaming. And the Arabs telling the truth about why they are screaming....if they know.
Just like the "new" tunnel alongside the Western Wall that was built by the Byzantines about 1,000 years ago and the only change was a new entrance that came out in the middle of the Arab market so tourists could buy souvenirs. This ramp fixes one that has been there for generations.
But the Arabs have to have something to cry about. After all, when you can't even govern Gaza, a territory you were handed on a silver platter, you have to divert attention away from your own shortcomings.
Let's look into the future for a moment.
Some 35 or so members of Israel's parliament, the Knesset, have called for the reopening of Joseph's Tomb, which was smashed to pieces days after the Israelis handed over Nablus (it's real name is Schechem).
Yes, it's that Joseph, who is supposed to be revered by Moslems and Christians as well as Jews. It was taken over in a bloody riot. Now, Jews want to visit it again.
Anyone want to bet that the Arabs will give their consent peacefully??
Abu Mazen, the Fatah head of the Palestinian Authority and successor to Yasser Arafat, has told his Hamas counterpart to form a government.
That government will be formed based on the framework brought back from the Mecca, Saudi Arabia, meeting last week.
There are three elements that must be there for Israel, the U.S. and the European Union to bless any new government and, more importantly, resume the flow of money to the Arabs who, due to their behavior, have been cut off.
Guess how many of the three elements: the recognition of Israel's right to exist, the renouncing of violence as a political tool and the acceptance of the agreements entered into before the election that (surprise to nobody except President Bush) put Hamas in charge of the Palestinians.
C'mon, guess. How many are there. That's right: none. Zero. Zilch. Nada.
Surprised? If you are truly surprised, please don't feel bad. Someone has to play Fredo (I'm smart) Corleone. There has to be someone to bring down the curve.
So, they will go through the process, although its passage has as much chance as a fix-up in the Old City without the Arabs screaming. And the Arabs telling the truth about why they are screaming....if they know.
Just like the "new" tunnel alongside the Western Wall that was built by the Byzantines about 1,000 years ago and the only change was a new entrance that came out in the middle of the Arab market so tourists could buy souvenirs. This ramp fixes one that has been there for generations.
But the Arabs have to have something to cry about. After all, when you can't even govern Gaza, a territory you were handed on a silver platter, you have to divert attention away from your own shortcomings.
Let's look into the future for a moment.
Some 35 or so members of Israel's parliament, the Knesset, have called for the reopening of Joseph's Tomb, which was smashed to pieces days after the Israelis handed over Nablus (it's real name is Schechem).
Yes, it's that Joseph, who is supposed to be revered by Moslems and Christians as well as Jews. It was taken over in a bloody riot. Now, Jews want to visit it again.
Anyone want to bet that the Arabs will give their consent peacefully??
Compete for your job, Bernie
There's a not-so-new but nasty strategy going around the corporate world.
A new company comes in to the work place where you have labored for decades. May it's just a new division head. It really doesn't matter.
The memo soon goes out. You have to compete for your job.
Perhaps you have excelled for as long as anyone can remember. It was you who made sure everything was working during the storm of the century. It was you who saved the company tens if not hundreds of thousands or dollars by doing the jobs of three or four people.
It doesn't matter. You have to compete, perhaps, with a kid who has his rap down, makes promises that Hercules couldn't keep and says just the right thing at the right time. You are too busy doing your job to do more than dash off a memo saying, in essence, there would be no company or division or group to take over had it not been for you.
No matter. The next thing you know, the kid has your job and you're lucky to have any position in the new grouping where the bar has been raised so much higher. Or so they tell you.
At least, your situation isn't grist for every sports writer or blogger or fan.
Bernie Williams doesn't have it so easy. His humiliation has to be done in public. Oh, Bernie is too much of a gentleman to say he's humiliated.
And there's no excuse for Joe Torre. There wasn't a new boss. Just him.
In case you've been paying attention to Iraq or Iran or something silly like that. free agent Bernie wasn't invited to training camp with a real job. He was offered a minor-league contract. He refused and stayed home.
Now, a minor league contract may be fine for Mark Bellhorn, I'm told, because he's skipped around the country like a guy with too many frequent flyer miles. But Bernie has had only one team. From 1991 through 2006, he played for The Best Team Money Can Buy.
And now, Bernie is sitting home, but not by the telephone.
If Bernie had to suffer in public, the public also, it seems, put pressure on Joe Torre.
According to the Associated Press, Joe has been calling Bernie. This week, Bernie called back. Joe told him to come down, don't worry about how much space there is on the 25-man roster.
Just come down, Joe said.
And compete for your job.
Look, anything that makes the Yankees weaker is fine by me. But right is right. You don't wait until the last minute for a guy who has been helping you out since the time of the First Gulf War. And you don't make him compete for his job. Leave him his pride.
A new company comes in to the work place where you have labored for decades. May it's just a new division head. It really doesn't matter.
The memo soon goes out. You have to compete for your job.
Perhaps you have excelled for as long as anyone can remember. It was you who made sure everything was working during the storm of the century. It was you who saved the company tens if not hundreds of thousands or dollars by doing the jobs of three or four people.
It doesn't matter. You have to compete, perhaps, with a kid who has his rap down, makes promises that Hercules couldn't keep and says just the right thing at the right time. You are too busy doing your job to do more than dash off a memo saying, in essence, there would be no company or division or group to take over had it not been for you.
No matter. The next thing you know, the kid has your job and you're lucky to have any position in the new grouping where the bar has been raised so much higher. Or so they tell you.
At least, your situation isn't grist for every sports writer or blogger or fan.
Bernie Williams doesn't have it so easy. His humiliation has to be done in public. Oh, Bernie is too much of a gentleman to say he's humiliated.
And there's no excuse for Joe Torre. There wasn't a new boss. Just him.
In case you've been paying attention to Iraq or Iran or something silly like that. free agent Bernie wasn't invited to training camp with a real job. He was offered a minor-league contract. He refused and stayed home.
Now, a minor league contract may be fine for Mark Bellhorn, I'm told, because he's skipped around the country like a guy with too many frequent flyer miles. But Bernie has had only one team. From 1991 through 2006, he played for The Best Team Money Can Buy.
And now, Bernie is sitting home, but not by the telephone.
If Bernie had to suffer in public, the public also, it seems, put pressure on Joe Torre.
According to the Associated Press, Joe has been calling Bernie. This week, Bernie called back. Joe told him to come down, don't worry about how much space there is on the 25-man roster.
Just come down, Joe said.
And compete for your job.
Look, anything that makes the Yankees weaker is fine by me. But right is right. You don't wait until the last minute for a guy who has been helping you out since the time of the First Gulf War. And you don't make him compete for his job. Leave him his pride.
Wednesday, February 14, 2007
Pitchers, catchers and baseball, too
"You can't rehearse sincerity. You have to make it up on the spot."
Denny Crane
It seems the New York Yankees aren't even trying to make it up on the spot.
Bernie Williams, that hero of yesteryear, or was it two years ago, is a victim of "what have you done for me lately".
And Mariano Rivera, the killer closing pitcher who fools everyone (except the Boston Red Sox) with his cut fastball, seems to be afraid that he also be a victim of "what have you done for me lately."
In case you missed it, he was quoted as saying that although he wanted to finish his stellar career in New York, he might not be able to. I guess he wants some indication from Yankee big shot Brian Cashman that he won't face the same fate as Bernie.
I guess Mike Olkin was right when he replied to my whining about Mark Bellhorn being signed to a minor-league contract, saying don't feel too sorry for Bell. I guess compared to Bernie and some other older players around the game, Bell did OK.
Along with Rivera, catcher Jorge Posada will be a free agent at the end of this season and one must wonder if he, too, will be given the boot, as Williams was.
Look, the Yankees are the best team money can buy. But there has to be a little heart, too. I hope Rivera and Posada, if faced with the same choices as Bernie Williams, will take the high road and retire.
Rivera is a sure bet for the Hall of Fame and Posada might make it, too. Neither, I hope, needs the money. Go out with your heads held high.
Denny Crane
It seems the New York Yankees aren't even trying to make it up on the spot.
Bernie Williams, that hero of yesteryear, or was it two years ago, is a victim of "what have you done for me lately".
And Mariano Rivera, the killer closing pitcher who fools everyone (except the Boston Red Sox) with his cut fastball, seems to be afraid that he also be a victim of "what have you done for me lately."
In case you missed it, he was quoted as saying that although he wanted to finish his stellar career in New York, he might not be able to. I guess he wants some indication from Yankee big shot Brian Cashman that he won't face the same fate as Bernie.
I guess Mike Olkin was right when he replied to my whining about Mark Bellhorn being signed to a minor-league contract, saying don't feel too sorry for Bell. I guess compared to Bernie and some other older players around the game, Bell did OK.
Along with Rivera, catcher Jorge Posada will be a free agent at the end of this season and one must wonder if he, too, will be given the boot, as Williams was.
Look, the Yankees are the best team money can buy. But there has to be a little heart, too. I hope Rivera and Posada, if faced with the same choices as Bernie Williams, will take the high road and retire.
Rivera is a sure bet for the Hall of Fame and Posada might make it, too. Neither, I hope, needs the money. Go out with your heads held high.
Monday, February 5, 2007
A true world series is going on
Well, the Super Bowl, which was anything but super, is over and that who-needs-it all-star game is next week. The season for football, which died two weeks ago, is finally having the good sense to lie down.
So, summer baseball season is about to kick off.
But the winter baseball season is ending. The Caribbean playoffs are going on in Puerto Rico. The top teams from each nation get to play each other, which makes it a true world series...for those places where it's warm, that is.
The last time I looked, the Dominican Republic was kicking some serious butt. Puerto Rico was doing well until it ran into the Dominican Republic, which embarrassed the home-island squad 16-0. Ouch. And they did it without Big Popi.
They'll be playing for another two or three days. It's worth taking a look -- it's good baseball if your cable system carries it. Actually, it's good baseball whether your cable system carries it or not.
So, now, back to U.S. baseball.
The Red Sox are seeking a closer after deciding to move crusher Jon Papelbon to a starting rotation.
Don't ask me about what's going to happen. I was the guy who was running around saying the Sox should get rid of Julian Tavarez, the guy who slid into a producing starting slot in September.
It should be interesting.
A parting thought. New York has the 2008 All-Star Game. Wouldn't it be wonderful if the plurality of all-stars playing that game were from the Red Sox?
So, summer baseball season is about to kick off.
But the winter baseball season is ending. The Caribbean playoffs are going on in Puerto Rico. The top teams from each nation get to play each other, which makes it a true world series...for those places where it's warm, that is.
The last time I looked, the Dominican Republic was kicking some serious butt. Puerto Rico was doing well until it ran into the Dominican Republic, which embarrassed the home-island squad 16-0. Ouch. And they did it without Big Popi.
They'll be playing for another two or three days. It's worth taking a look -- it's good baseball if your cable system carries it. Actually, it's good baseball whether your cable system carries it or not.
So, now, back to U.S. baseball.
The Red Sox are seeking a closer after deciding to move crusher Jon Papelbon to a starting rotation.
Don't ask me about what's going to happen. I was the guy who was running around saying the Sox should get rid of Julian Tavarez, the guy who slid into a producing starting slot in September.
It should be interesting.
A parting thought. New York has the 2008 All-Star Game. Wouldn't it be wonderful if the plurality of all-stars playing that game were from the Red Sox?
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