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| 2006/3/21 [Recreation/Dating, Computer] UID:42350 Activity:nil |
3/21 reviews of virtual escorts:
http://sl-escorts.com
\_ This was posted like three weeks ago. -dans |
| 2006/3/21-22 [Finance/Investment] UID:42351 Activity:nil |
3/21 Okay, why is yahoo finance letting this Robert Kiyosaki guy be their
columnist? His writing riles people which is kind of fun. But then
this guy doesn't know if you owe a debt in US$, and US$ goes down in
value, it's actually good for you, and he still goes to outlets to
buy gold and silver when you can buy GLD: "The outlets that sell gold
and silver I have visited are already low on inventory." Isn't that
kind of embarassing for a supposed financial guru? No wonder people
say he is a con man and he made all his money not through investing,
but from giving investment advice.
http://finance.yahoo.com/columnist/article/richricher/2987?p=1
\_ Because Kiosaki is a financial wizard. Several years ago he
started seminars that encouranged people to flip homes, lots and
lots of homes. He started many investment clubs and spun off
THOUSANDS of investment clubs in the country where people
bought properties for the sole purpose of investment, and those
who followed his advice did very well. To many new millionaires
who followed his advice, he is a hero. People look up to
Kiosaki because he is financial leader, a financial hero, a
financial trendsetter. PS I attended his seminar last year and
he said something to the effect that real estate is still hot in
some areas but we gotta be looking for the next thing. You have
to attend his other seminar to know what that is. Oh yeah, thanks
for reminding me I need to register. -the next millionaire
\_ Fuck you. People like you are the reason people like me buy
land in remote places and stockpile weapons.
\_ but it seems to me that if he's only encouraging people
to get into gold and silver now, he's at best a financial
follower as opposed to a trendsetter.
\_ This kind of thing is usually evidence that the trend is
almost over. I am selling my gold and silver stock.
\_ Suze Orman gave some bad advice based on math that didn't work
once all factors were accounted for. When I tried to call her on
it, I couldn't find any way to contact her. These people are
there for entertainment value, I suppose.
\_ "These people" is rather dismissive, don't you think? There
are certainly good financial columnists out there. It is true
that Yahoo gets paid by you reading the article, not by you
making money, so in some sense the corporation doesn't care if
the advice is good. -tom
\_ It's intended to be dismissive. Giving out bad financial
advice and then making yourself unavailable for criticism
or comment is irresponsible. There are people out there
that consider 'these people' to be gurus and who take
what they say at face value. It doesn't mean all their advice
is bad, of course.
\_ my point is that Suze Orman was irresponsible, not
"financial columnists" as a class of people. The
Motley Fool columnists, in particular, are quite
accountable for their positions. -tom
\_ I don't know if they are accountable, but many
of their recent picks sucked big time.
eg. snda, nile
But I agree. There are some good columnists
(eg. smartmoney columnists ain't bad). I even
think Jim Cramer is pretty good. -op
\_ Remember that it's always possible to do good
analysis and still be wrong, especially in
the short term. -tom |
| 2006/3/21-22 [Uncategorized] UID:42352 Activity:nil |
3/21 What's the best way (fastest method) to increase your search rank?
The business I work with doesn't mind paying someone but would
like to know some of the options and their effectiveness. Thanks.
\_ Pay Google? That's probably fastest. |
| 2006/3/21-25 [Reference/RealEstate] UID:42353 Activity:nil |
3/21 Does anyone know what inflation value is used as a deflator on
nominal GDP to get real GDP? It is pretty clear that the CPI
has been understated, since it strips out housing costs (since 1983).
Does this mean that real GDP has also been overstated? -ausman
http://csua.org/u/fb6
\- ausman advisory: the three commonly used prices indexes are:
CPI, Producer Price Index and "the GDP deflator". The GDP deflator
CPI, Produce Price Index and "the GDP deflator". The GDP deflator
is based on a very wide set of goods and this bundle changes
over years as the production weights change in the economy ...
in contrast to the CPI which measures a fixed bundle of goods
and services considered to be representative of an (urban) end
user (although of course this bundle is recalibrated over time,
and of course price may not capture quality improvements, but that
is understood to be a limitation of GDP measurements). The other
major difference between the CPI and GDP deflator is CPI would
include some imported items which the end users demand, while
the GDP deflator only includes domestically produced stuff.
PPI is similar to CPI except the bundle is one representative
of retailers and producers so the CPI lags the PPI. finally,
of retailerrs and producers so the CPI lags the PPI. finally,
CPI and PPI are announced monthy, while GDP deflator is a quarterly
estimate. note also CPI can be used to do real GDP calculations
in some contexts ... in sophisticated settings, which deflator is
used and the index year is advertised (are you interested in
cost of living, or physical growth of the economy). these numbers
are often restated in retrospect as better data becomes avail.
i believe the estimates for the underground economy not captured
is supposed to be in the 3-8% range but i am not sure if these
error bars have increased over the last 10yrs say. for a more
sophisticated discussion about fixed vs weighted indexes you may
enjoy googling for "PAASCHE and LASPEYRES". consumer substitution
leads to systemic biases between the CPI and GDP deflator. --psb
leads to systemic basies between the CPI and GDP deflator. --psb
\_ Not answering your question, but providing more information on your
underlying assumption. You might want to look at
http://www.nber.org/books/CRIW03-BH/gordon-vangoethem6-26-05.pdf ,
Table 11 (on page 61). Comparing rents computed from CPI and actual
survey of rents, the CPI is found to underestimate the price of
rental by 0.33% from 1995-2003. The table also shows an improve-
ment of the accuracy of CPI (compared to actual rents) over the last
40ish years. The sky may be falling, but it's actually been falling
more slowly.
\_ OBTW, the CPI doesn't strip out housing costs so much as it
separates the owner occupied housing costs into 2 values, one for
the house as investment (which is not part of the CPI computation)
and one for for the house as a residence (which is part of the
CPI computation).
enjoy googling for "PAASCHE and LASPEYRES". consumer
substitution leads to systemic basies between the CPI and GDP
deflator. --psb |
| 2006/3/21-25 [Transportation/Car, Transportation/Airplane] UID:42354 Activity:nil |
3/21 The Coming Normalcy by Robert Kaplan of The Atlantic Online
Write up about Mosul. I think he has a clue.
http://michaelyon-online.com/media/pdf/ComingNormalcy.pdf
\_ An article on the Stryker vehicle:
http://www.army-technology.com/projects/stryker |
| 2006/3/21-22 [Uncategorized] UID:42355 Activity:nil |
3/21 For those of you who mised Sean Connery in Zardoz last night... it
was as good as ever! The audio was a bit choppy in places but that
did not diminish the quality of this cinematic classic in any way.
\_ Can you post your address please? I want to come to your
house and rape you to make your life more interesting.
\_ 1600 Pennsylvania Ave. Washington DC. Just ask for "Georgie"
at the gate. |
| 2006/3/21-25 [Politics/Foreign/MiddleEast/Iraq] UID:42356 Activity:nil |
3/21 Not a Civil War:
http://news.yahoo.com/s/ap/20060321/ap_on_re_mi_ea/iraq
\_ Has Bush been "on the ground" there since he served up the
plastic turkey? |
| 2006/3/21-23 [Politics/Domestic/President/Bush, Politics/Foreign/MiddleEast/Israel] UID:42357 Activity:nil |
3/21 http://www.russforpresident.com \_ is this guy Jewish? Isn't that bad news? \_ so who is the anonymous poster? \_ Would it change anything? It's already common knowledge in Azurbijan that Bush and Cheney are both Jews. \_ "Jagshemash...I support my government's decision to sue this Jew." -Borat |
| 2006/3/21-23 [Computer/Companies/Google, Recreation/Sports] UID:42358 Activity:nil |
3/21 http://www.theregister.co.uk/2006/03/21/google_soccer_vendetta Register op/ed piece. Take it as you will. \_ The Register claims to be a news source, but in reality The Register is little more than a purveyor of capitalism's most despised offshoot - advertising. \_ It's an op/ed, not news. I said it was an op/ed. What's the problem? -op \_ Sheesh, it was a joke, calm down. I just thought it was funny to be reading about how evil advertising is on a page filled with fashing annoying ads. You realize that line is pulled from the article, right? -pp \_ Sorry, it's the motd. I've learned not to expect anything intended to be funny. |
| 2006/3/21-25 [Politics/Foreign/MiddleEast/Iraq] UID:42359 Activity:kinda low |
3/21 So it turns out that Saddam Hussein was telling the truth and
Bush was the bullshitter. This must really be a bitter
pill for Bush voters to have to swallow:
http://csua.org/u/fbb
\_ Poor Saddam! It was so unfair that he was deposed by the evil
George Bush! We should reinstate him right away so he can bring
peace and freedom back to his Peoples!
\_ You're missing the point. The point is that GW is actually no
better than Saddam. He launched this war declaring that he had
proof that there were WMD. Instead he has been proven a liar
numerous times over and is as much of a terrorist as Osama bin
Ladin. So stop pretending that you are "holier than thou" and
are doing the Iraqi ppl a favor, because you clearly are not.
\_ Bush said there were WMD and there aren't, true. Where's the
proof that this was a lie and not a mistake? Quite a few
people with no vested interest in an Iraq invasion also
said they were there. I realize you're already convinced, but
just as an exercise imagine you're the prosecuter in the
impeachment trial. What evidence are you going to bring
out to support the lying claim?
\_ Look up "Downing Street Memo". Was huge in the news all
around the world (except here). But seriously, some
things are just plain obvious. Are you going to say that
Barry Bonds never took steroids just because we can't
convict him for it? - pp
\_ I had heard about it, but I only just read it now after
you posted that. Ok, impeach the son of a bitch.
I'm convinced.
\_ I'm saying that OJ got acquited because the gloves
don't fit. -not the pp and not the op
\_ I think Bush has plausible deniability on this one.
"Plausible deniability" is code for "you know I did it,
but you can't prove it." It's obvious that Bush and
the rest of the PNAC crew were planning to go to war
with Iraq from the outset of his presidency (and even
before), and were looking for an excuse that would fly
with the public. -tom
\_ Fine. There's a clear public record that indicates
that they were going to invade Iraq regardless, I
agree. But how does that prove Bush was *lying*
about WMD's? Where all the other people who said
about WMD's? Were all the other people who said
publicly that there were WMD's who had no affiliation
with PNAC or the administration lying also? I think
Bush is despicable, and should be run out of office
for a variety of reasons, but I find the lying label
to be tiresome since there does not appear to be any
proof, and I think sticking to that particular line
discredits Bush's critics. Our country desperately
needs Bush's critics to not be discrecited in any way
needs Bush's critics to not be discredited in any way
right now.
\_ Yes I agree. Saying that someone lied probably
seems pretty petty. People lie all the time, but
usually for a lot smaller causes. But I can see
your point. In regards to proof, look at comment
above regarding Downing Street Memo. Even without
the memo, it was pretty obvious tho. When we first
went into Afghanistan, poeple were already making
predictions that Bush would try to fabricate reasons
to go to war with Iraq. When that actually happened,
...well guess what? Now, the Muslim world is having
a field day in how Americans are taking over their
lands and trying to pretend that they are spreading
freedom. What we do will only exacerbate the
terrorism. If you look at it, we are really the
authors of our own distress. (i.e. we are the
problem, not the solution)
\_ Yes Bother! I hear you! Restore Saddam! Let Freedom Ring!
Kick out the American Occupiers, the Great Oppressors of
Our Once Free Peoples and give us Our Great Leader back to
restore us to the greatness that was once Greater Iraq's 19
states! Only Saddam can give us the Freedom and Peace we the
Iraqi Peoples have earned! Praise Allah! Alahu Akbar!
\_ See, here's the problem. We did a Good Thing, but did
it badly and incompetently, and under super-dishonest,
illegal premises. Like going down to the rail yards and
shooting the guy pushing drugs to little kids because the
cops won't deal with him. Which doesn't change the fact
that it's a Good Thing. Which doesn't change the fact
that it was stupid, incompetent and illegal. No, I don't
have a point. -John
\_ We took out the guy pushing drugs, along with most of
the kids, and now are in the process of installing
another guy to push different drugs. Oh, and now
there's a turf war among other pushers competing
for the neighberhood, and lots of innocent people
are being killed in drive-bys. -tom
\_ Except for the "installing another guy to push
different drugs" part, which is silly, isn't that
sort of what I said? -John
\_ Why is that silly? We basically have a history
of doing that. Didn't we basically install
Saddam Hussein as leader of Iraq? Didn't we
basically arm Osama bin Ladin with advanced
military equipment when he was fighting
the Russians in Afghanistan? We have created our
own worst enemies time and time again.
And seriously, if we have this policy of
installing puppets around the world, at least
get it right. --!tom
\_ Yes, we have done this. I am not referring
to historical events. I am referring to now.
And I see a reasonably good-faith, albeit
incompetent and probably doomed effort to
get the Iraqis and Afghans to vote for a
democratic representative govt., even if it's
a disingenuous ploy to get them off our
backs. -John
\_ You are begging the question; it's not clear
that removing the pusher was a Good Thing. -tom
\_ He was a murderous, totalitarian thug. Getting
rid of these is always a good thing if you
don't fuck it up and don't do it on dishonest
premises. The fact that we have installed and
supported similar thugs in the past, or that
a lot of the world is prepared to tolerate
such thugs in the interest of geopolitics
should not be an obstacle to removing them. My
point is that if you're going to do it, do it
right--how is this begging the question? -John
\_ What would be sad is if the Iraq debacle
ended up discrediting idealistic ventures
to secure freedom around the world in the
future.
\_ "Getting rid of murderous, totalitarian
thugs is always a good thing" is an
unfounded statement. It's only a good
thing if the result is something better
in the end. I said before the invasion
that the most likely result of a power
vacuum in Iraq was an Islamic fundamentalist
government, elected or not; that was
completely predictable, and as such,
the benefit of removing Saddam has to
be weighed against the likely result.
I still think it would be hilarious if
the Iraqis elected Osama bin Laden. -tom
\_ OK, maybe I'm nitpicking semantically,
but I don't consider getting rid of one
thug to have him replaced by another to
be "getting rid of a thug". I consider
that to be an amateurish fuckup. In
which case, yes, you're right. But it
occurs to me in Iraq that the danger is
not us putting in another thug, but
bloody civil war. -John
\_ Oh... I dunno. Did the guy at the rail yard end up
dead? Ok, so the first shot took out a window and the
second hit a stray dog. The third killed him so the
kids stand a chance now. Actually the initial take down
was beautifully executed. It was afterwards that things
could have been better, mostly I think because we're now
afraid to deal with chaos with the giant hammer required
because then people start screaming about human rights
for terrorists so we go half assed and drag it out
which is much worse than just dealing with it up front
and going home. As far as illegal, sorry but pft. In
the international realm, might makes right. There is
no higher authority. Without effective enforcement,
you don't have laws, just suggestions from your
neighbors and handshake agreements.
\_ More reason to actually have WMD so Bush will think twice
about an invasion. Go North Korea!
\_ Nah. The Bush voters don't care.
\_ Except the same documents also show continued deceit and that
Saddam's generals were honestly surprised when Saddam didn't have
any WMD at the start of the war.
http://cnews.canoe.ca/CNEWS/World/Iraq/2006/03/17/1493281-ap.html
\_ Hey we invaded, the burden of proof is on us to find
the stuff.
\_ We invaded Iraq because Dubya, I mean Saddam, I mean, Saddam's
generals, had no doubt he had WMDs!
They are obviously buried in the desert ... probably in Syria ...
\_ We have always been at war with Eastasia.
\_ let's go start a land war!
\_ Let's have a War
So you can all Die.
Let's Have a War
We can all use our Brains.
Let's Have a War
Redeem this space.
Let's have a War
We have this place.
Let's have a War
Jack up the Dow Jones
Let's have a War
We can save New Jersey
Let's have a War
Blame it on the Middle Class
Let's have a War
Like rats in a cage.
Let's have a War
Sell the rights to the networks
Let's have a War
Nevermind about that last time.
Let's have a War
Give life a little twist.
Let's have a War
The Enemy's Within..
\_ You just made my fucking day. Thanks.
\_ No wonder we couldn't find the WMDs, Saddam used
iocaine powder! |
| 2006/3/21-25 [Recreation/House] UID:42360 Activity:nil |
3/21 I bought 2 kotatsu heaters from eBay and mounted one on my desk and
another one on my coffee table. Total energy cost this winter for
me was only 30% of last year. I totally recommend using the kotatsu
heater instead of traditional heaters. -ichiban kotatsu-san convert
\_ http://www.sushicam.com/Journal%20entries/001230.php this one?
\_ Are you the flatulent Ionic Breeze guy? Seriously man, the Home
Shopping Network is ruining your life. Change the damn channel!
\_ I don't think American channels sell kotatsu. The average
American male won't even fit a kotatsu meant for 2 Japanese
grown-ups..
\_ I bought a heavy coat last year. Total enegy cost this winter is
0, just like it was last year.
\_ My wife uses a small blanket when watching TV. Ditto for energy
cost.
\_ You don't heat your house at all???
\_ Don't be ridiculous. My computer doubles as my space heater.
\_ But...unless your computer is imaginary, then your
energy cost is very unlikely to be zero.... </pedantic>
\_ I'm not the same guy. Welcome to the motd.
\_ You guys are going to give me a panic attack.
\_ BOO! -!pp
\_ I don't heat my house at all. In fact I leave the windows
open all but like 3-4 days a year. It's warm around here!
\_ Where do you live?
\_ I used to live in a house like this, in Berkeley: it
was a relatively small place, and it had been remodeled
in the 80's, so it had with modern insulation. There
was a little heater in the living room, but we never
used it. Now I live in an older, larger house in
Berkeley, and spend hundreds of dollars on heating
every winter. --!pp
\_ What's a few hundred dollars? I'm sure Bush's
generous tax cuts make it all worthwhile.
\_ http://www.bizarreingredients.co.uk/japan/a/heater/heater.htm
\_ Kotatsu looks cool. I can be finger-screwing my sister while we're
talking to our parents with a straight face.
\_ Sister as in nun or nurse or sibling ?
\_ Oh that is interesting ... that is essentially the technology
used in the common dining halls at tea houses up in the himalaya,
except the heater isnt electric, it is buring something.
\_ I still prefer the Kang, a northern China stone platform bed heated
by wood or coal. It's like a modern day hot stone spa treatment:
http://en.wikipedia.org/wiki/Kang_bed-stove |
| 2006/3/21-22 [Uncategorized] UID:42361 Activity:low |
3/21 Anyone felt the quake a few minutes ago?
http://earthquake.usgs.gov/eqcenter/recenteqsus/Quakes/nc51169283.php
\_ Ayup, one of our buildings lost power for a minute. Don't know
why... -Dublin
\_ Larry Ellison is busy bugging your phones.
\_ No. Larry Ellison is too busy trying to become a
samurai. Why he wants to be a samurai... I have
no clue. Does anyone know?
\_ So he can lop the arms off peasants that forget to
bow to him?
\_ cultureless souless
\_ Damn it! |
| 2006/3/21-22 [Academia/Berkeley/CSUA, Industry/Jobs] UID:42362 Activity:nil |
3/21 I just read the csua minutes wrt hard drive failures, fix, admin,
email, root, whatever. Good job mrauser. You guys are doing a
good job keeping the fine tradition of producing some of the
best sysadms in the world. -old sysadm from csua/cal
\_ Woot, woot! Go mrauser! -mrauser |
| 2006/3/21-25 [Recreation/Pets] UID:42363 Activity:nil |
3/21 What do you do if you see a stray dog/pet in your neighborhood?
\_ aggressive? call animal control. friendly? grab it and see if
it has a name tag with contact info.
\_ is animal control open at night or weekends?
\_ If it is a cat, ignore it unless it is a total baby. Feral cats
aren't going to let a stranger get anywhere near them and if it
isn't feral it has an owner. Lots of cats refuse to wear collars.
\_ Call your local Korean restaurant. If it's a kitten/puppy, take
it home (I never see kittens/puppies, they're too tender and get
snatched up very quickly.) -John
\_ John, are you trying to be funny or are you trying to insinuate
that Koreans are barbaric? Do you even know anything about the
Koreans? I don't know who you are personally but I am
personally offended. I am Korean.
\_ No, I'm insinuating that Koreans eat dogs. -John
\_ You're on my watch list now. -Korean |
| 2006/3/21-25 [Finance, Reference/Tax] UID:42364 Activity:nil |
3/21 I'm here to expose that Edward Magluyan has a company called INA
which is really Amway. This guys will say anything to get
you into Amway trap. He'll talk about debt elimination, tax reduction,
multiple income streams, etc. Don't buy into any of that crap unless
you want to lose money. Edward Magluyan is a really nice looking guy
and a smoooooth talker. Any time someone like that approaches you
and talk about unlimited growth potential, WALK AWAY. -really pissed
\_ I lost 30lbs in 30 days! Ask me how!
\_ A very slow guillotine?
\_ A cheese-grater. Gotta be.
\_ A cheese-grater?
\_ An angry dystopic future?
\_ so how did you get screwed? inquiring minds want to know
\_ bored sodans |
| 2006/3/21-25 [Recreation/Celebrity/WilliamHung] UID:42365 Activity:nil |
3/21 Ack! William Hung songs available on itunes. It seems people are
willing to buy anything these days.
\_ Cal Pride!
\_ He was #1 for the longest time. |
| 2006/3/21-25 [Uncategorized] UID:42366 Activity:low |
3/21 With the cancellation of JLU and Teen Titans; are there any first run
comics worth a look? The Batman seems okay artwise but a bit too
kiddish.
\_ I've heard the Freedom Force comic book is decent. If you
enjoyed the game (I did) you might want to give it a shot.
\_ Warren Ellis is usually good. He's been writing a cheap monthly
called Fell that I quite like. I like Brian K. Vaughn's Y. The
Last Man, and he's been writing a title called the Runaways for
Marvel. I'm not a big fan of superhero comics so I don't know if
Runaways is any good or no. If you're not reading 100 Bullets, you
should be, it is easily the best comic available today. -dans
\_ last 20 issues of 100 Bullets have been stupid tone poems
or treatises on the dark side of mankind, it's
the most useless wanking imagineable. Where'd the plot?
go? I agree the first issues were great. If you're a dude,
the new "Conan" comics are great. "Girls" is creepy.
Go read the trade paperbacks of "Lucifer". "Punisher"
has been written lately by the same guy who wrote "Preacher".
Occasionally it's also the same artist.
\_ I only read it in trade paperback form, so the last I read
was the Hard Eight storyline, which kicked ass. Garth Ennis
wrote "Preacher". I like his stuff when he's on to
something, but I don't find him to be reliably good. -dans
\_ Powers. It just keeps getting better.
\_ Also on my list. -dans |
| 2006/3/21-23 [Recreation/Computer/Games] UID:42367 Activity:nil |
3/21 I'm trying to remember the name of an arcade game they used to
have in the UC arcade, I was hoping someone else might
recognize/remember it. It looked a little bit like defender,
but had much more updated graphics - you could choose which
planets to fly to (the planets varied significantly), where
you had to save colonists from aliens, and collect weapons?
(You had these marines that would hang from your ship, and
drop down to pick up stuff). Thanks!
\_ Strike Force ? -oj
http://www.arcadeathome.com/shots3.php?strkforc
\_ That was it! Going to try it with the emulator shortly,
thanks! -mds
\_ I like the ad on that site:
http://www.arcadeathome.com/images/ads/XG_MAPU4_v2.gif
"Play Over 4,000 Classic Arcade Games for FREE... Only $99.95
+ S&H"
"Play Over 4,000 Classic Arcade Games for FREE... Only $99.95+S&H"
Ah, "Free". Meaningless in advertising, meaningless in modern
politics. |
| 2006/3/21-23 [Uncategorized] UID:42368 Activity:nil |
3/21 USA! USA! USA!
http://tinyurl.com/omejl
\_ We've secretly replaced their ritual blade-cleaning solution with
HIV! Let's see if they notice.
\_ I don't get the "USA Saber" deal. Is it a subtle hint that "we
will cut your unveiled women's genitalia, infidel dogs"? Or do
they indicate that "we are covered by the mighty sword of the
badass high-school dropouts from Tennessee and their infallible
supreme commander"? What? Imam Ali wouldn't approve. -John |
| 2006/3/21-22 [Academia/Berkeley/CSUA/Troll/Jblack] UID:42369 Activity:nil |
3/21 So where are amckee and jblack? I need stupidity for entertainment. |
| 2006/3/21-25 [Science/Disaster, Reference/RealEstate] UID:42370 Activity:low |
3/21 Yet Another Useless Motd Poll: .
I own property in California and I:
Have earthquake insurance: ..
\_ My parents own, but I pay the
earthquake insurance in lieu
of rent.
Dont have quake insurance: ...
\_ Insurance is always a ripoff if you can survive without it. And
as most of the value is in the land anyway around here...
\_ If you own a $600,000 home (low for the bay area) and get hit
with $200k in damages, how are you going to survive it? What
if it was a total loss and your house is condemned and red
tagged?
\_ Earthquake insurance deductible is huge (15% of house value
when I last asked). So for your hypothetical $600k house,
the deductible would be $90K. So it's also a question of
your chances of the getting hit with >$90K or <$90K damage.
In the worst case, of course insurance makes sense. But you
really have to look at the potential range of damage to make
a logical decision.
\_ This begs the question: Is the deductible based on property
value or structure value? And if the former, is it
possible to get a policy/deductible for just the structure?
\_ Structure. pp's didn't account for that.
\_ Who said the deductible is 15%? Mine is $30k on ~$850k
house insured for $600k.
\_ let me get this right. You own a home in the Bay Area
that is almost 1 million dollars? Most likely it's
not near the mansion type you see in Texas. Why do
you guys even want to live in the Bay Area to buy
tiny little old beat up home for near 1 mil when
you can live in the life of luxury elsewhere? What
is so attractive about the Bay Area? -tired of Berkeley
\_ What's attractive is that if/when he decides to
leave, he can buy that mansion in Texas if he
wants to. The person in Texas doesn't have the
option of buying even a small house in the Bay
Area if he wants to and probably can't buy the
Texas mansion either. It's about freedom and
about making money somewhere with a high cost of
living to (later) spend somewhere else, if one
so chooses. It's the same reason people immigrate
to the USA and then go retire in their home
countries.
\_ Correct. I live in a 'nothing special' home pretty
close to work that I own a large chunk of. When it's
time, I'm going to sell it, make a bundle, buy a huge
house in a beautiful place elsewhere and still have
tons of cash and retire. My counterpart in Texas is
going to work until he drops.
\_ I don't find having a huge house particularly
appealing. Here I have nice weather, I'm close to
interesting shops and restaurants and good jobs.
Should I trade that to live in a huge tasteless house
out in the suburbs?
\_ Who said you should? You should do what makes you
happy but don't expect anyone else to support you
in your old age. I never said I had a huge house
in the suburbs. I am close to my great job. No,
I'm not in walking distance of interesting shops
but I'm not a consumer either so that doesn't mean
anything to me. Go live on the beach if you want.
It's your life. We all live with the consequences
of our earlier choices and actions. No one has
told you to do otherwise.
\_ You don't consume?
\_ "Every offer of earthquake insurance must provide
coverage for your dwelling, for your personal property
(not less than $5,000 or 10% of the covered dwelling
loss)... CIC Section 10089(b) states that the maximum
deductible that can be charged is 15% of the policy
dwelling limit. It is common for the deductible to be
the maximum 15%."
http://csua.org/u/fbe [<DEAD>www.insurance.ca.gov]<DEAD>
\_ Note the "if you can survive without it" part. We bought
a few years back and could survive an extra 200-300k tacked
onto the mortgage. It would be hard, but we'd survive. And
in the mean time, we've got $10k more in the bank from not
paying earthquake insurance. And, as other posters pointed
out, the deductible _is_ generally huge. -pp |
| 2006/3/21-23 [Uncategorized] UID:42374 Activity:kinda low |
3/21 You know, given all the crazy people and right wing nuts out there,
[ remainer of post censored. Certain discussions could get the
CSUA in trouble with the Secret Service. ]
\_ Once Geraldine Ferraro came to give a speech at my office. Day
before that, a coworker was over-heard joking about killing her.
before that, a coworker was over-heard joking about shooting her.
On the day of the visit, he was detained after Secret Service
found a bow and arrow (he's an avid archer) in his car.
\_ i'll right wing YOUR nuts |
| 4/13 |