Berkeley CSUA MOTD:Entry 44177
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2006/8/28-31 [Reference/RealEstate] UID:44177 Activity:low
8/28    When will the housing sector hit its bottom?  -patient investor
        \_ Fuck you, asshole.   If it weren't for parasitic fucks like you
           who buy houses they don't plan to live in as "investments", there
           would be no housing bubble, many many more people would be
           living in their own homes, and the coming crash would not happen.
           I have an idea, why don't you go find a sector of the economy to
           invest in that has growth based on real productivity instead of
           some ludicrous bubble and the victimization of ordinary working
           people.
           \_ So what you're really saying is no one should own more than 1
              house.  That there should be no rental market for houses.  Or
              that house rentals should only be through corporations.  Ok.
              Ordinary working people can rent an apartment for less than the
              monthly on a house.  If you think these people are making money
              off their recently purchased second homes as rentals you're
              terribly confused.  They're taking a huge risk that they'll be
              able to sell higher than they bought, they are subsidising some
              one's rent who is likely not even covering the monthly and they
              are supporting the housing industry so there is more supply which
              drives prices down, not up.  There are so many things wrong with
              your rant I'm going to have to stop there before the motd runs
              out of bits.
           \_ Same thing can be said about stocks / gold / frozen concentraded
              oragne juice / ...
              \_ Yeah, but housing affordability can translate directly into
                 commute time.
              \_ and oil.  google the word "contango"
        \_ If you honestly believe you can get an answer to a question like
           that you're not an investor.
        \_ Swami the Magnificent says Nov 17, 2007.
           http://csua.com/2005/03/22/#36812
2025/04/04 [General] UID:1000 Activity:popular
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2013/8/1-10/28 [Reference/RealEstate] UID:54722 Activity:nil
8/1     Suppose your house is already paid off and you retire at 65.
        How much expense does one expect to spend a year, in the Bay
        Area? Property tax will be about $10K/year for a modest $850K
        home. What about other stuff?
        \_ I think at age 65, health insurance is the next biggest expense.
        \_ I am thinking that we can have a nice middle class
	...
2013/7/31-9/16 [Reference/RealEstate, Finance/Investment] UID:54720 Activity:nil
7[31    Suppose you have a few hundred thousand dollars in the bank earning
        minimum interest rate and you're not sure whether you're going to
        buy a house in 1-5 years. Should one put that money in a more
        risky place like Vanguard ETFs and index funds, given that the
        horizon is only 1-5 years?
        \_ I have a very similar problem, in that I have a bunch of cash
	...
2013/3/21-5/18 [Reference/RealEstate] UID:54634 Activity:nil
3/21    Holy crap is Bay Area real estate on fire right now. I keep
        getting outbid by hundreds of thousands of dollars on places.
        \_ does more home-owners mean fewer people will be renting,
           driving the demand for rental down?          -poor renter
           \_ I am kind of doubting that, but it might work.
        \_ what is the zip code that you're bidding on?
	...
2013/2/19-3/26 [Reference/RealEstate] UID:54610 Activity:nil
2/19    I just realized that my real estate broker has a PhD in plant
        molecular cell biology from an Ivy League school in the mid 70s.
        Now she has to deal with a bunch of young dot-comers, and they're
        pain in the ass.                        -Only a BS in EEC$
        \_ My agent used to be a hardware engineer.  He switched to real estate
           when he got laid off during the 80's.  Now he's doing very well.
	...
2012/12/21-2013/1/24 [Transportation/Car, Reference/RealEstate] UID:54567 Activity:nil
12/21   Is it possible to use my Fastrak on a rental car?
        \_ Don't know if you're supposed to, but I think it works under normal
           situation (i.e. you're not speeding, your windshield doesn't block
           the signal, etc.)  The problem is that if the reception is bad and
           the toll tag doesn't beep, the booth will take a picture of your
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	...
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html \_ oh wow, replies by real doctors with fancy medical terminologies that I don't understand. Instead I'm just a stupid code monkey barely surviving in Silleycone Valley \_ It's never too late for medical school, if you want to go. We have all heard stories of the 40 year old guy in there with the 22 year olds. There is a shortage of family/general practice doctors, and that's what most older med students end up doing. Older students usually don't have the lifespan and stamina to go for the longer and/or more intensive residencies. I never wanted to be a surgeon or see people to diagnose/prescribe for them... I know someone who does this and she never sees any patients. I also know a doctor who does a lot of research and selects his patients based on it. This seems more interesting than being a GP, but pays a lot less. I've seen some lesioned and post-stroke cats and mri's, too. Gradual atrophy in a fully functioning individual is different than severe sudden atrophy and recovery. For example, a study was done of 80+ year old nuns, and it was found that all the nuns had similar degrees of massive cortex atrophy in the brain. However, the nuns that had a stroke had a post-trauma sudden onset of Alzheimer's that the non-stroke nuns didn't have. Likely something from the stroke triggered onset of Alzheimer's. Thus, comparing Terri's brain to fully functional 85 yr olds who have had gradual atrophy without functional loss is not entirely kosher. My company works with that kind of data all the time and you can adjust contrast controls, etc. Furthermore, your typical CT of the brain doesn't look like much. php allows you to compare the MRI (on the right) with the CT. Bush's numbers are down to 45% and the Republicans are desperately and transparently trying to change the subject. Does it have to have carbon, water, and ability to think and act? What if an alien life form visits us but instead of carbon based, it is silicon based, is it a life-form? How about human beings with fully functional body but without the mind/soul behind it, is that considered 1) alive and 2) a life-form? I'm interested to hear from scientists and religious people. When I click the button, it says the missing plugin is Macromedia Flash Player 7 I click "Next" to see the license, and "Next" to try install. Does that mean the plugin is already present on my machine? html \_ I would have gotten this except the French developers kept playing scenarios of nuking the white house. I hate French people, but I hate the current administration even more. Now personally, I can find a lot of things to complain about if I wanted about Frenchies but I can do that about any group of people. htm \_ I remember a story from about 7 years ago where some Japanese High School Kid killed classmates with a katana. That guy, btw, never had his name revealed bc he was a juvenile. Gang members in bad schools stabbing each other are common, but kids going postal and stabbing random classmates are very very rare. Just as violent, the little fuckers, and apparently far more prone to bullying. I missed out while everyone around me is buying a second home or a vacation home in Arizona and all they can say is how stupid I am for not buying something. Likewise, when it is stagnant in the Bay Area it might be hot somewhere else. I personally would not buy right now, but it was certainly smart to have bought a few years back. Still unlikely to see a real drop in prices in bay area for a couple years I think, there's no recession here and tons of demand. But it does look a lot like 2000 in that a) prices seem ridiculous but keep rising, leading to b) ordinary people hyped up about house appreciation gains and speculating, just like every Joe was buying Cisco back in the day with no regard for investment principles. I look at the low interest rates like a money faucet the fed turned on, that seems to mostly go into housing because it's easy to do and touted as low risk. So if the housing market is like a money balloon filled from low interest rates, the question is when it would deflate... I have the feeling that it won't really deflate here due to low housing supply. Because home values are up probably 50% since you started posting this crap. after one happens, while ignoring the fact that prices rose 100% during the time he was predicting a crash. If you're wrong, I'll personally hire four large white supremacists to come to your house and sodomize you until you squeal like a pig. Many of the points are assuming the crash has already started/happened, which is blatantly false. And he makes crazy statements like this: "under current conditions, a renter would be able to live in a house for 30 years, then buy that house outright with the saved principle payments, and have an extra $227,200 of savings on top of that". PITI on a $1M house are $7k/mo, which if you are in the 40% overall bracket come out to 5800. This means you save a $1M house are $7k/mo, which if you are in the 37% overall bracket comes out to 4800. But this makes the unsupportable assumption that the house will not appreciate in value in 30 years. Some people are highly protected but overall, it's not as onerous as Berkeley or as it used to be. Wherever one lives is a home, be it apartment, condo, or house. Calling a house a 'home' is a manipulation of your emotions for profit. Prices are already down every month for Nov, Dec, Jan, and Feb." China can put a man in orbit but needs to buy night vision goggles from EU? Maybe the EU sells better ones and China hasn't gotten around to ripping off their technology yet. First deliveries are this year with 80 for France and 80 for Germany. Fifty percent said they understood the debate over Social Security "somewhat well," and 31 percent said they understood it "very well." Only 18 percent said they did not have a good grasp of the matter. html In any case, I do agree with the Fox News guy in the sense that you shouldn't kill her by starvation. My opinion (and he doesn't say this) is, once you have established beyond a reasonable doubt her desire to die if she knew she were in an irreversible, persistent vegetative state, then she should be killed using something quicker. But assisted suicide with pills, injections, etc is illegal, and mostly because of conservatives. So now they're arguing how inhumane it is to let her starve when they also block euthanasia. You want to guess how much of that money was spent on Terri and how much on Michael's pro-euthanasia lawyer Felos? Felos' hospice is also under investigation for Medicare fraud for bringing in 150+ patients who should not have been there. Plus, there will be plenty of money from book deals and film once Terri passes. This is the funniest thing i've seen on the motd in some time. shooting \_ The boy killed his 60 year old grandpa and his **30** year old gf. I hope you guys go to hell and experience eternal sodomization by satan \_ Yeah, and had we spent that money on places like Afghanistan Syria and Iraq BEFORE 9/11 we could've prevented around 3000 deaths. C'mon, people, are you forgetting the people who lost their lives because of terrorism?