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"diverse" and I'm generally not an open minded person.
Is this just a fancy way of saying that you are racist?
I've never heard it put quite like that. Kudos for being honest. I guess.
Glad you are not my neighbor.
"diverse" and I'm generally not an open minded person.
Is this just a fancy way of saying that you are racist?
I've never heard it put quite like that. Kudos for being honest. I guess.
Glad you are not my neighbor.
Actually, I'm not...but what would you do about it if I was? We still have a Constitution and I still have my First Amendment rights and you can't do anything about that.
Before you answer (if you answer), keep in mind that I'm not subject to the normal Bay Area silly person pseudo intellectual mindfog techniques or shame or any of the other childish shit people do here when they want to make some sort of social statement or attract attention. I'm completely immune.
There's already a "race war" thread over in the Politics section...
I'm actually a big fan of Tom Tancredo, who says we need to shut the borders for awhile to let the country "heal" (his words, actually) and have all these groups assimilate as they did after previous waves of mass immigration.
My father's people came from Germany in 1848, settling in central PA where most of them live today. It's funny that when you walk down the streets of that town, many of the people look alike. Seriously!
I paid what I paid because it was Danville, and I knew that going in. The stuff we looked at in San Ramon wasn't much less and it wasn't where I wanted to live anyway. I didn't want to do Lafayette because it's expensive, liberal and "diverse" and I'm generally not an open minded person.
My father in law said the most dangerous thing in the world is a redneck with a college education. He's been gone almost fifteen years but I have to admit he was right.
Don't see how your response has any connection to the 1.7 million dollar home in mountain view? I think you made a great call buying in Danville, over San Ramon, but an even greater call would have been to buy in 3 years IMHO. The same arguments for people buying now have been kicked around for the last 5 year. They were incorrect then and they are still incorrect in my view. Rent until it is time to realistically buy for historically average prices. When they do come back in the BA, maybe the humanity will return to this area as well. I can only hope.
It was the right house at the right price and the right situation, because I didn't have to deal with some asshole Baby Boomer who thinks he's entitled to my money or screwball Asian investor playing games or using his culture to fog me or play me off against someone.
It's the same as rent. It fit our budget. We like it.
It's the same as rent. It fit our budget. We like it.
That's all that matters. I wouldn't worry about some guy on the Internet saying buying in 3 years would be better (like he knows the future). Particularly, when he ends with: "I can only hope."
Actually, I'm not...but what would you do about it if I was?
Like I just wrote, I just hope and pray I don't end up being your neighbor, because my guess is that my family would fit into your description of "diverse" and I would prefer to live surrounded by people who don't judge me before they even know me.
And YES, this is a housing issue. Many of us choose to pay top dollar to live in a place like SF or NYC or Berkeley so we can be treated fairly and as equals and be safe.
If you are a queer, bi-racial couple with children, the idea that you could just move to Texas or some cheap podunk town is not really an option.
Unless of course you want bottles thrown at you from passing cars (yes, that's happened to me), your kids bullies mercilessly (yes that happens) and people generally just treating you badly or giving you the cold shoulder because you don't look like they think you should.
keep in mind that I'm not subject to the normal Bay Area silly person pseudo intellectual mindfog techniques or shame or any of the other childish shit people do here when they want to make some sort of social statement or attract attention. I'm completely immune.
Another veiled way of saying, "I am part of the mainstream so need not consider anyone else's experience or point of view because everything is just peachy for me and mine."
Danville is just far away enough to be sure you don't have any blacks or fags moving in next door, huh?
keep in mind that I'm not subject to the normal Bay Area silly person pseudo intellectual mindfog techniques or shame or any of the other childish shit people do here when they want to make some sort of social statement or attract attention. I'm completely immune.
Another veiled way of saying, "I am part of the mainstream so need not consider anyone else's experience or point of view because everything is just peachy for me and mine."
Danville is just far away enough to be sure you don't have any blacks or fags moving in next door, huh?
You said it, I didn't.
Eh, even Houston has a "gayborhood."
Dallas (where we lived for eight years) has a large and influential gay community as well but guess what? They don't push themselves and their values on you. They don't rock the boat...but then again, the Bay Area mentality is all about boat rocking and narcissism and attracting attention.
Dallas (where we lived for eight years) has a large and influential gay community as well but guess what? They don't push themselves and their values on you.
I didn't know that was even possible. Seem like so much of the "gay community" is "in your face."
the Bay Area mentality is all about boat rocking and narcissism and attracting attention.
It sure seems that way, at least to this Rust Belt Boy.
Gays here are in your face because so many of them seem to be angry at the world...and because many of them simply have too much money.
If you are a queer, bi-racial couple with children, the idea that you could just move to Texas or some cheap podunk town is not really an option.
So what is your point? Don't move places you won't be accepted, that's not rocket science. There are places other than SF and Greenwich Village that are tolerant or even accepting that are not expensive. Options exist so don't bother playing the victim card.
My wife and I, as straight white conservative Republicans, would no more attempt to move to the Castro than fly to the moon.
There are even places where we came from in NE Ohio that are more open and accepting than others. Two flaming homosexual males buying a house and raising a child in Wadsworth, Ohio would be complete fucking social suicide. Those same people moving to Lakewood (regentrified suburb on the west side of Cleveland) or Cleveland Heights (similar sort of place on the east side) would be far better off. Better yet, try the same thing in one of the neighborhoods near Kent State University about an hour to the southeast. No one would ever know they were there. That's how little it would matter.
Or if you want to get into the Crystal Meth business, Ashtabula is a great location.
Or if you want to get into the Crystal Meth business, Ashtabula is a great location.
Ashtabula is another one of those places that's become an economic black hole in the wake of NAFTA and GATT. It was securely blue collar and middle class but now it's no collar and aspires to be working class. Youngstown, Ashtabula, Steubenville, Zanesville, Mansfield...the names are all different but the stories tend to be the same.
Akron's doing a little better because there's a state university there and they still have some old money but not enough to keep us there.
Yep, it's the same story throughout the Rust Belt.
I grew up near Butler, PA and it was a typical blue-collar middle class town. Now it's the Heroin capital of western PA.
It's not just the Far Left intellectuals that are destroying the traditional family. The Economic Right is wiping out the family economically. It's hard for mom to stay at home with the kids (assuming she wants to) if dad only makes $7/hour.
There are places other than SF and Greenwich Village that are tolerant or even accepting that are not expensive. Options exist so don't bother playing the victim card.
Don't judge until you've walked a mile in someone else''s shoes. I've lived in many places, and choose to live in a place where my family will be accepted.
If it were just me, I would have no qualms being an outspoken agent of change. But I don't think it is fair to put young children in a situation where they have to fight those kinds of battles.
Calling someone out on their bigotry is not playing victim. Keeping quiet about discrimination is playing victim.
The anonymity of the web lets people show their true colors, and the homophobia and racism on many blogs is astounding.
The anonymity of the web lets people show their true colors, and the homophobia and racism on many blogs is astounding.
There is no such thing as "homophobia." That word is a purely political term.
Ah, yes. Another guy who knows where to find a good hoagie. When we go back there I always go to the local OIP two or three times just to raise the level of hoagieglobin in my blood so I can get a high from it.
One of my major missions in life is to find a place in the SF Bay Area that has decent italian subs (NOT made with sourdough or mayo/mustard!) like the ones back home. I may as well be Diogenes, looking for the last honest man.
Lewistown has the same problem because there's just nothing for the kids to look forward to. It's been really bad since 2000. Wadsworth, Ohio (four hours to the west, about two and a half from Butler) is a little better but it has the same problems. If you're not college bound, you go into the service or you're toast.
Definition of HOMOPHOBIA, Mirriam Websters
ho·mo·pho·bic adjective
irrational fear of, aversion to, or discrimination against homosexuality or homosexuals
First Known Use of HOMOPHOBIA
1969
Discrimination, clear and simple.
I don't like them. I think they're subhuman. They're chronically angry at the world, perpetually unstable emotionally and aspire to corrupt everything they touch. They hate middle America and everything it stands for.
big·ot
noun \ˈbi-gət\
: a person who is obstinately or intolerantly devoted to his or her own opinions and prejudices; especially : one who regards or treats the members of a group (as a racial or ethnic group) with hatred and intolerance
— big·ot·ed \-gə-təd\ adjective
Anyone can invent a word. If it "catches on", it might even end up in the dictionary.
The word "Santorum" has an alternate definition. Will it make it into the dictionary?
It's a good tactic. Other groups have taken notice. So we now have the term "Islamophobia." I wonder how long before that one makes it into the dictionary.
If our banker overlords were smart, they'd coin the term "Bankerphobia."
Bankers: "you can't regulate us! That's Bankerphobia!"
Definition of HOMOPHOBIA, Mirriam Websters
ho·mo·pho·bic adjective
irrational fear of, aversion to, or discrimination against homosexuality or homosexuals
First Known Use of HOMOPHOBIA
1969
Discrimination, clear and simple.
First of all, I told you that when this conversation started that I wouldn't be susceptible to your or anyone else's mindscrewing. I've been posting in forums for a VERY, VERY long time. I know what I'm doing.
1969 was just about at the same time Stonewall happened and the counterculture thing started to gel. It was part of the whole sixties thing...and it was also the progressive policies of that era which provided the foundation for the fiscal nightmare we face today.
SF is loaded with aging hippies whose money and influence allow them to make yet another statement of rebellion before they die. They're still pissed off about Nixon and what he did to McGovern in 1972. That's not my problem and it's not going to be.
Why do you think KQED advertises for people to put them in their wills and trusts? Just who do you think has those kinds of resources and would leave them to a fucking public television station?
Did you also know SF was at one time a Republican town? Yes! Before the military started discharging faggots here and the whole sixties counter culture thing happened and the tech boom began in the late fifties, SF was a middle class/working class town. I doubt it will ever be that way again.
It's the same as rent. It fit our budget. We like it.
That's all that matters. I wouldn't worry about some guy on the Internet saying buying in 3 years would be better (like he knows the future). Particularly, when he ends with: "I can only hope."
Hmm. Now you are taking comments out of context. I said "I can only hope" in reference to humanity returning as the prices get adjusted back to the historical averages. I am betting my own money on that happening, so it is much stronger than hope. The humanity reference was actually with people like you in mind, that divert the topic from substance to personal attacks. It shows how little you have to substantiate any claim you make.
It's the same as rent. It fit our budget. We like it.
That's all that matters. I wouldn't worry about some guy on the Internet saying buying in 3 years would be better (like he knows the future). Particularly, when he ends with: "I can only hope."
If you really get down to it, it is not the same as rent. It has been proven many times by many people here. If someone just doesn't want to listen to the obvious then nothing we can do. The question is if you really don't care about losing savings potential in exchange for not having to be a house renter. There are small changes that happen when you rent money instead of a house, but if these changes affect you psychologically and make your life better then do it. Stop saying you did it for financial reasons (that shows you don't know how to add). Say you are doing it for perfectly valid reasons that you believe in and your life gets better because of them. Just because it costs you more for something doesn't mean it is the wrong thing.
To hammer the point home. If all of a sudden I was put in a 600k house in Danville that can only be rented for $2500/mth, I would immediately put it up for sale and take the money and run. I would rent the equivalent house down the road and be pecfectly fine doing it. Not everyone agrees, and that is fine, we need all kinds and I'm happy people overpay, it keeps the Ponzi scheme going for a while longer. While I wait, I just keep getting in a stronger and stronger financial position. Fine by me.
It's the same as rent. It fit our budget. We like it.
That's all that matters. I wouldn't worry about some guy on the Internet saying buying in 3 years would be better (like he knows the future). Particularly, when he ends with: "I can only hope."
Hmm. Now you are taking comments out of context. I said "I can only hope" in reference to humanity returning as the prices get adjusted back to the historical averages. I am betting my own money on that happening, so it is much stronger than hope. The humanity reference was actually with people like you in mind, that divert the topic from substance to personal attacks. It shows how little you have to substantiate any claim you make.
During the Civil War, people said Lincoln could never put Humpty Dumpty back together again. There are still people in the south who are unhappy with the way he did it...but he did it.
During the Great Depression, people said America was over...and it wasn't. We came back to fight a world war on two fronts AND help the British save themselves from Hitler. Even today, it remains a stunning logistical achievement in world history and testament to our abilities.
During the early sixties, Nikita Khrushchev was banging his shoe on a podium and saying they would bury us. Kids were subject to drills where they would crawl under their desks in school while sirens blared around them. Today, the Soviet Union no longer exists and there's even talk of Castro's brother opening up Cuba simply because there's no Soviet sugar daddy for them to lean on anymore.
Winston Churchill said more than once that Americans always eventually do the right thing, when all other avenues have been exhausted. I still don't know if that was a compliment or backhanded insult but in either case, he was right.
I really think we're gonna be fine.
I would disagree. 600k is still basically at a nosebleed level. I say this as someone who makes 6 figures. If using traditional means of measuring affordability, the buyer of a 600k house would need to be pulling in a total of 200k per year and do so consistently. Last time I looked the medians even in the most expensive Bay Area locations is nowhere near that high.
Absolutely agree - but with rents for a 500-600K house running about 3K month, if you have 20% down you are looking at roughly the same cost per month.
Yes, this is too much, but unless rents collapse, this is where we are, at least here.
http://patrick.net/housing/calculator.php?uaddr=%2C+&rent=3%2C000&price=600%2C000
If you mean "roughly the same" as in one (buying) would put you back 35,000 more than renting after 7 years then yes, that is true. Assumption used, 4% (perfect credit and timing), optimistic no price change in house in 7 yrs time (put in 2% depreciation and all hell breaks loose), you only make 3% after-tax on your down payment when you rent.
If you compare 500K buy to 3K rent, now we are talking. Show me that house and I will actually become a buyer.
Why the fuck would I not do this?
Lol, you dont even think about the carrying costs.
Electric, cable, phone, schools, parcel taxes, gas, medical, cell, water,
sewer, tax, garbage, car insurance, house insurance, repairs, paint, heating, running fans, internet service.
Your topline monthly is nothing compared to the carrying costs of RE. I hope you did some math. Rent stinks, but from what I've seen, its about half the equivalent outlays in most places worth living.
And if you are unemployed, the deductions dont do much for you.
Of what you listed above, the only thing I wasn't paying as a renter are paint, house insurance (I had a renter's policy) and real estate tax. Everything else is the same or will be less because this house is insulated where the other one wasn't.
Again, don't you think I know all this?
Hmm. Now you are taking comments out of context. I said "I can only hope" in reference to humanity returning as the prices get adjusted back to the historical averages. I am betting my own money on that happening, so it is much stronger than hope. The humanity reference was actually with people like you in mind, that divert the topic from substance to personal attacks. It shows how little you have to substantiate any claim you make.
It's not my fault you weren't clear what you were hopeful for. You had 2 thoughts in the same sentence followed by "I can only hope." If you meant for "hope" being related to "humanity," fine, you've clarified. You still have no idea what prices will be like in 3 years. The person who is buying the MV home for $1.7M (if it goes for that or near that) probably wishes he bought in 2006 for $1.5M, no?
Tina, can you help me buy this place? It rents for 3300/mth so should be in the 550-650K range to purchase. If you can set this up for me I'll cut you a 20K check on top of you usual commission. I will not even report that I gave you 20K cash, it'll be our little secret. Thanks
It's not my fault you weren't clear what you were hopeful for.
Seems pretty clear english to me.
"When they do come back in the BA, maybe the humanity will return to this area as well. I can only hope."
Tina, can you help me buy this place? It rents for 3300/mth so should be in the 550-650K range to purchase. If you can set this up for me I'll cut you a 20K check on top of you usual commission. I will not even report that I gave you 20K cash, it'll be our little secret. Thanks
Not sure why you guys think I'm an agent. Or is that just a petty ploy to discredit anyone who doesn't groupthink that prices are collapsing? Talk about personal attacks.
I love your fair price range. Good luck with that.
Seems pretty clear english to me.
"When they do come back in the BA, maybe the humanity will return to this area as well. I can only hope."
You would hope so...you wrote it.
Tina, can you help me buy this place? It rents for 3300/mth so should be in the 550-650K range to purchase. If you can set this up for me I'll cut you a 20K check on top of you usual commission. I will not even report that I gave you 20K cash, it'll be our little secret. Thanks
Not sure why you guys think I'm an agent. Or is that just a petty ploy to discredit anyone who doesn't groupthink that prices are collapsing? Talk about personal attacks.
Not a personal attack. I was hoping you would take the challenge and find me that house you think make sense to buy in the bay area. It would be a win-win. You would be happy because it would prove you have been completely correct all along, and I would be happy because I would pay a reasonable amount of my savings for a house. No one looses except the poor sucker that is paying 1.7m for a 800k in mountain view. So sad...
Not a personal attack. I was hoping you would take the challenge and find me that house you think make sense to buy in the bay area. It would be a win-win. You would be happy because it would prove you have been completely correct all along, and I would be happy because I would pay a reasonable amount of my savings for a house. No one looses except the poor sucker that is paying 1.7m for a 800k in mountain view. So sad...
Ok. Here's a deal. Get some money - you know, invest in AAPL 10 years retroactively, come up with an offer that is consistent with the current market, and in return I'll go take the agent/broker exam and will represent you. I'll take $10k (half price) for that Monta Vista house you are dreaming about. Deal? If not, keep "hoping" that prices in Monta Vista will fall to $600k.
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Like many of you here I have been waiting for the prices in the bay area to come falling back to earth. Over the past year, the things that I'm seeing make me believe that a huge correction will no longer happen and the prices in most area's have already corrected themselves.
The main reason why the Bay Area was spared from the large housing crash seems to come from the fact that the great recession didn't hit us as hard as other places. This let people keep their jobs and save money. Now as the U.S. is coming out of this recession, the stock market is rising, and people in the Bay Area didn't get scared of investing in housing because there was no major housing crash. We might get a good rise in housing prices. The last example that turned my opinion around is the amount of homes for sale in santa clara county. The inventory is half of what it used to be last year and it seems like the inventory that comes onto the market is quickly bought up. What do you guys think?
#housing