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  • On 19 Aug 2014 in The gold standard was ditched in 1933, not 1971, swebb said:

    iwog says



  • On 15 Aug 2014 in Why California is Awesome, swebb said:

    People from Texas will tell you Texas is the best state for scenery/variety/outdoors activity. You know, mountains and desert in the west, beaches in the southeast, forests in the east. (let's just agree to not talk about the pan handle)

    People from the Appalachians, Ozarks, Rockies and Adirondacks will tell you they have the most beautiful wilderness They lack a coastline, though.

    California is pretty awesome in this regard, but so are the rest. I found the PNW to be gorgeous - and if you like the weather who's to say it's not better than California? Maine is awfully beautiful, too...And Nova Scotia. And Norway...and....

  • On 29 Jul 2014 in Our suburbs are a colassal and costly disaster, swebb said:

    thunderlips11 says

    Electric Vehicles would require an additional load of 3-4 American Households per CAR on the Electric Grid.

    Are you saying an electric car consumes 3-4 times that of a typical household? Do you have a source for that? It doesn't seem right to me.

    Average electric bill is ? $100/month. $300/month to operate an electric vehicle - about double the projected cost of a gas powered Toyota.

  • On 29 Jul 2014 in 2015 Real Estate Prediction, swebb said:

    FortWayne says

    ost folks out here are holding to their rent controlled place for dear life, because if they are to lose it, they simply can't afford to stay here.

    So what you are saying is that people are going to be displaced, not that rents are going to fall. If someone holds a rent controlled apartment that they can afford, but the market rate is substantially higher, then someone can afford to pay higher rent - just not them. It's not very pleasant for the person with the rent controlled housing, but it's reality.

  • On 29 Jul 2014 in Sellers Have Come Out Of The Woodwork, swebb said:

    iwog says

    I'm going to assume it's just as stupid as all the other bear market calls you and others have been publishing for years

    The article says volume fell off a cliff, you refuted it with a graph of sold $/sqft. Show the sales volume graph and it will get them off your back...either that or make an argument for why a precipitous drop in sales volume in July isn't a big deal (you know, rich people vacation in july, so of course they aren't buying/selling houses or whatever) Or make an argument against the source (anecdotal, caters to a small part of the market, too little data, whatever)...or make an argument for why increasing $/sqft is all that matters....or make an argument for why low sales numbers could come from constrained supply, not restrained buyers/demand....

    OR..whatever you want. But they aren't going to shut up unless you can prove why their nugget of information isn't the harbinger of the big crash. Actually, they aren't going to shut up no matter what you say.

  • On 26 Jul 2014 in Malaysian flight shoot-down another false flag?, swebb said:

    Call it Crazy says

    I don't follow aviation, but don't commercial jets fly the same routes everyday unless instructed otherwise?

    I don't fly a lot by some standards, but probably more than most people (I've had a few 100,000 mile years). In my experience it's not uncommon for the captain to announce that they are changing the route for one reason or another (usually to avoid weather), and I suspect it happens more often than they announce it.

  • On 25 Jul 2014 in Malaysian flight shoot-down another false flag?, swebb said:

    Has it ever occurred to you that people will say anything at all as long as it gets eyeballs on their site (and ads) so they can make money.

    Just take a look at the advertisers on the site and consider who their audience is. Then ask yourself if you want to be included in that group.

  • On 10 Jul 2014 in I've decided not to have kids, swebb said:

    Rin says

    at's exactly what Ben Franklin did

    Senator, you're no Ben Franklin.

  • On 10 Jul 2014 in I've decided not to have kids, swebb said:

    Rin says

    Now, since many of my pals have had children and so forth, I'm absolutely astonished at how lame and boring these kids are. At best, they parrot TV shows and break toys, to the best of their abilities. In contrast, when I was a kid, I was dreaming of writing screenplays, inventing a lightsaber, and so forth.

    If you don't want to have kids, that in itself is a good enough reason not to have kids. No need to justify the decision by pointing out that your friends have lame kids.

    It's true that you "don't know what you're going to get" and that you can't be assured of a creative genius (in fact you can almost be assured of not having a creative genius), but you can certainly avoid the lameness you describe.

    Has it occurred to you that your friends might be the lame ones here? Letting their kids watch TV and be boring idiots? I tend to think that if you did have kids you wouldn't let them be lame and boring in that way.

    Do whatever you want...and by all means don't let yourself get pressured/tricked/guilted into having kids if you don't want them...

    But to clear your calendar to so you can be the next Frank Lloyd Wright? Get over yourself.

  • On 8 Jul 2014 in Wal-Mart wasn't thinking., swebb said:

    I think the suggestion is that instead of the hedge funds buying them for cheap and selling them for a big markup, wally would buy them for cheap and sell them at a small markup...meaning the homeowners would have financed less and therefore have more at the end of the month to spend at wally world. Or something.

  • On 4 Jul 2014 in Poll: Obama worst president since WWII, swebb said:

    zzyzzx says

    A plurality of voters think Barack Obama is the worst president since World War II

    That should read:

    "A plurality of voters think Barack Obama is the most recent president since World War II"

  • On 3 Jul 2014 in If you have an Iwog type at a 4th celebration..., swebb said:

    edvard2 says

    r. So figure if you live in Cali a typical 6-pack of craft beer costs $9. If you make your own its 25 cents a bottle, or $1.50 a 6 pack.

    Unless you have a source of free malt or are doing a heavy adjunct recipe (hard to call a craft beer at that point) I don't see any way to get the cost down to $0.25/bottle for 6-12% ABV beers. *Maybe* you hit 6% with a pilsner or something else with little hops and fairly complete fermentation...and you are using basic yeast (or propagating your own) and you aren't counting anything but the raw inputs...maybe.

  • On 2 Jul 2014 in Water Damage...Everywhere..., swebb said:

    waiting_for_the_fall says

    don't understand this reference: "I feel like a non-white person trying to buy a home in a neighborhood with a covenant".

    Are you trying to say people of color are horny for nuns? I've never heard that one before.

    Covenant, not convent.

  • On 2 Jul 2014 in How to actually save more money, swebb said:

    carrieon says

    The truth is, Private higher education is the last and only group still teaching something after HS..

    All the rest are a waste of money, especially community colleges.

    Where do you get your information? This runs counter to my experience.

  • On 1 Jul 2014 in How to actually save more money, swebb said:

    SFace says

    Learned this from my father in law when I was 21/22. You save more money by making more. It is so true. Saving 1k bucks a month by cutting off basic fun things is a pain in the ass and frankly the stupid way to save. Making 2k is a lot easier and happier.

    Not everyone has the ability to turn on an extra $2k in income per month. Hell, not everyone even makes $2k per month.

    And for those who do, there is still a balance to be had. Working more leaves you with less leisure some point spending less is the easier way to saving more.

  • On 29 Jun 2014 in Starter Homes seeing soaring demand - What recession?, swebb said:

    Call it Crazy says

    Yep, I wish I knew how they calculate those numbers...

    Are you saying you wish you knew what data they used to calculate that, or you want to know how to determine average and median?

    I'm not sure how that spread compares to the rest of the world, but it doesn't seem out of whack to me.

  • On 27 Jun 2014 in Live-In Nanny Refuses To Work or Move Out, swebb said:

    Stop feeding her, when she goes out to get some food, change the locks.

  • On 25 Jun 2014 in I Can't Buy An Air Conditioner, swebb said:

    When you put the unit outside, where does it draw the intake air from (the air to be cooled and then fed through the hose)? If it is drawing it from outdoors, keep in mind that this air is hotter and (probably more importantly) wetter than the air that it would get from inside your house. Therefore your duct temps will be higher than if you installed it as a traditional window unit.

    May not be as bad as the hot hose inside your house, but it's something to consider.

  • On 25 Jun 2014 in I Can't Buy An Air Conditioner, swebb said:

    I was in a similar situation a while back. I cursed the builder for choosing casement windows and therefore pushing me outside of the mass market for window ACs...I went with a small unit that just fit (without the side louvers) and made it work. It's fine for a 1 month stretch, but it's not a permanent install.

    Different apartment, maybe?

  • On 25 Jun 2014 in I Can't Buy An Air Conditioner, swebb said:

    The daily high in Kent peaks at less than 80 degrees in July - are you sure you actually need an A/C?

    I just installed some blackout shades in my upstairs skylights and it made a tremendous difference. Maybe enough that I'm not going to bother with the window unit shuffle this year (in Denver, where it reaches 90+ during the summer months)

    Get a good fan and block the sunlight and see what you think.

  • On 22 Jun 2014 in Question for Iwog re: 2017 crash, swebb said:

    Bellingham Bill says

    Economic rent is defined as the market price of a good above its cost of provision. What is the cost of provision of an already existing house or apartment?

    Pennies a day!

    yet we pay so, so much . . .

    It cost something to build the building in the first place, both in terms of labor and material costs. You wouldn't claim that a new house has a cost of pennies per day, would you? There is no doubt that a portion (sometimes a very large portion) of the cost of rent is for the land value, or location value or whatever you want to call it that is in excess of the cost of the physical structure...but you have to pay for the structure and other improvements somehow. Lets say the useful life is 30 years, and it costs $150k to build the fucker in the first place. You have $417/month at a minimum just to pay for the place. Plus maintenance. Plus some extra to cover vacancy. And then profit, if you allow for that. And if you are being charitable you might allow an inflation factor, or an allowance for financing...and don't forget taxes and insurance. $700/month? Thats 2300 pennies per day.

  • On 12 Jun 2014 in My Experience with Lyft, swebb said:

    Patrick says

    Screw the medallion program. It's just another way to prevent competition and charge the public more for the same service.

    There is one taxi regulation I would like though: the exact price to the destination should be explicitly quoted when you enter the cab.

    and what if you end up in traffic for an hour on a 1 mile ride? cabbie eats it?

  • On 10 Jun 2014 in Claim: California could save enough water to supply all the state's cities, swebb said:

    mmmarvel says

    You WILL have a low flush toilet.

    If you don't have a low flush toilet already, you should really consider getting one. The ROI is actually pretty decent, and there may be a water company rebate which could dramatically reduce your cost. Plus, at least with the good ones, they flush significantly better than the old 3.5 gallon ones...

  • On 10 Jun 2014 in Photo of US at Night from Space 2013: Mysterious Lights in the Midwest, swebb said:

    No, the mistake is excusable. I agree that it's not
    obviously in thr US from just the satellite photo. It's the degree with which you clung to your beliefs in spite of evidence to te contrary that makes you look dumb. You were holding a tenuous position, thinking it was a slam
    dunk....and you didn't even realize that not only were you on thin
    ice, you were absolutely wrong. Yeah, that makes you look a little dim.

  • On 10 Jun 2014 in Extra dough, swebb said:

    CL says

    if it's money you can afford to lose, try loaning the money out:

    ...and let us know what happened.

    Interesting. Do you know anyone who has done it

    I have dipped my big toe into Lending Club, which is a competitor to Prosper (same basic idea).

    On my low(er) risk portfolio I'm earning 9.5% returns (net of fees and charge offs), and my high(er) risk portfolio is around 12% net. You can invest IRA funds in LC if you use a 3rd party firm to set up a self directed IRA. Lending Club helps coordinate this to make it easy to set up, and they pay the annual self directed IRA fee ($200 annually) if you invest $10k or more.

    There is an option (for a fee - 1%?) to automatically invest for you based on a range of criteria (not just credit risk/interest rate, but a lot of parameters)...I have managed it myself so far, and I probably eke out a bit better returns by being more selective...You know, when someone says they are borrowing $20k for credit card refinancing, but their credit report only shows $4k in revolving debt, I take note that their "story" doesn't add up and I'm less likely to lend...I don't know how much of an edge that actually gives me, though, and it is time consuming. Probably worth it if I had $100k in there and was making bigger "bets" on each loan, not so sure it is worth it with $25 bets and $10k invested. At some point it's just a numbers game.

    It is also harder to unwind an investment in LC than in IBM...secondary market is there, but it's not a liquid investment...

    I'm happy to have it as part of my portfolio, but I don't think I will be going crazy with it.

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