patrick.net

Wow, this is getting insane again... While I think housing could easily stall out over the next few years and/or retrace back to 2011 lows. Breaking below what the those charts are calling for sounds downright nuts.

First of all.. You need sellers to come out in HUGE numbers for prices to fall. You can't have falling prices without lots of transactions. I just don't see anything occurring that will create massive amount of transactions that will allow a freefall in the housing market. If anything we'll have short term panics... and the everything will freeze up again once you hit the point of rental parity.

Prices found a bottom in 2011 because we reached rental parity.... meaning you could walk away from your underwater mortgage and go rent for half the cost. Those that bought in 2009-2012... and locked in or refinanced to 3% interest rates... and probably refinanced away any mortgage insurance too if they are smart. Have very little incentive to sell anytime soon.

Selling would just mean renting at a higher PITI. Sure, you'd have some cash... But i don't know too many people that buy a house and then sell it and rent. That's definitely the minority.

bob2356 says

debyne says

Now that Obamacare is creating a bigger marketplace for insurance companies to compete, you're going to see more and more innovative healthcare payer models that will drive costs down; it was lack of competition that stifled the creativity of the free market to solve it.

For the last 75 years there have been 100's of health insurance companies that have been writing polices. What lack of competition was that?

It's the fact that those insurance companies don't compete in the same spaces. Providers are regional, and insurers have been regional as well without letting themselves compete across state lines. That's why you have Blue Cross of CA or of MD.

ThreeBays says

Medicare is not a classic example of that. Medicare is better bang for buck than private insurance according to these stats:

http://healthaffairs.org/blog/2011/09/20/medicare-is-more-efficient-than-private-insurance/

The way they measured the data is skewed to spin the result. See this link:
http://healthblog.ncpa.org/private-insurance-is-more-efficient-than-medicare%E2%80%93by-far/

Here are a couple of my own thoughts given I work in the industry:

- Comparing administrative costs of Medicare vs private insurers is apples and oranges. I work for a major national health insurer, and we're the ones processing all of the Medicare claims, handling Medicare-related incidents, performing utilization reviews, etc. I love that the government tries to say they're more efficient when it's the private sector that's doing all the work for them. So spun.
- One of the reasons private insurance is more expensive than Medicare is because providers have to offset Medicare's ridiculously low reimbursement amounts for claims by charging private insurance higher premiums. This is why you see providers bail on taking Medicare/Medicaid patients. Going to a single payer and forcing super cheap reimbursements to providers will have major effects on rationing of care, quality of providers, etc, so don't think there won't be HUGE consequences by just "forcing lower costs". We need to be more innovative than just acting like a union and forcing things that have negative consequences for all of us.

Also, look in the comments of the article you provided and you'll see a post by Devon Herrick that touches on even more reasons why the article is being disingenuous.

Believe me, I won't be close-minded just because of ideology like so many in this country do...I'm willing to consider and accept new ideas to try and solve this very complicated issue. But that's what it is...uber complicated, and I wish it were just as simple as "single payer".

BoomAndBustCycle says

In your opinion... What will cause transactions of homes to increase dramatically enough to create enough low-selling comps to lower home prices?

Don't waste your time asking RFHTC to give you any kind of reasoned argument.

bgamall4 says

Duh you don't need pancaking because there wasn't any, Dufus. Or is it Rufus?

Is reading comprehension a problem of yours?

bgamall4 says

They are squibs, but you don't get the most important argument you cannot deny. There was no way all the supports of a building the size of a football field could give way all at once without demolition.

Of course they aren't squibs, and of course I can deny you need them. It's patently obvious that building didn't collapse from a CD. There is a progressive internal collapse of that building from one side to the other. You can clearly see what is happening on videos. And yet you say there was an an unseen and unheard CD, the wiring of which survived a prolonged uncontrolled fire. How stupid can you be? Apparently, very.

bgamall4 says

The example of that fire in the Netherlands building showed pancaking. Even the idiots like you aren't saying that there was fire near every support in the WTC7. But only idiots would then say there was no demolition.

Logic and coherent argument really aren't your strong points, are they?

Have you read the pdf I linked to yet? Which parts do you think best sum you up?

bgamall4 says

Bigsby says

There is a progressive internal collapse of that building from one side to the other.

That means nothing. A progressive collapse would have meant that the spacing of the floors would not have been constant. You use words you don't even understand. Pull your head out of your ass Bugsy.

What are you talking about? The INTERNAL structure of part of the building progressively gave way. That is why the penthouse collapsed and why you see other structures running across the top of the building collapse without the outer structure initially giving way. And I understand the words just fine. It's your utter gibberish that I have trouble wrapping my head around.

How's the reading of the pdf going by the way, or do you only read short paragraphs from conspiracy websites?

bgamall4 says

Bigsby says

The INTERNAL structure of part of the building progressively gave way

You have no proof of that. That is absurd.

What do you think the video I posted up shows? The penthouse collapsed. Then the rest of the roof structures disappeared and the building bowed and then collapsed. This is what you flat out say isn't proof. You say it's absurd, and yet in its place, you argue that there were multiple silent CDs that survived a 7 hour uncontrolled fire, were then detonated in a way never before seen without any sound, causing the penthouse to drop first (without the facade of the building collapsing) followed by a ripple of internal collapse across the length of the building...

No, what is patently absurd are your claims of multiple silent CDs in each building.

Your mother didn't drop you on your head. She apparently repeatedly bounced you off the concrete.

bgamall4 says

Here is the problem with your looney explanation. You are saying that the internal structure pancaked and fell on itself. But if you look carefully, the entire building collapsed at once. Your version is impossible. It is impossible because it would have been uneven and would have distorted the fall of the external floors. That didn't happen, loon boy.

Ha, ha, ha. What a joke. I posted up a video that demonstrably shows that the building didn't collapse at once. Clearly major internal parts of the building collapsed first and that led directly to the collapse of the building as a whole.

bgamall4 says

Bigsby says

I posted up a video that demonstrably shows that the building didn't collapse at once. Clearly major internal parts of the building collapsed first and that led directly to the collapse of the building as a whole.

You are crazy. The major internal parts of WTC7 did not collapse prior to the entire outer wall all around the entire building.

You can put the video up again but you are wasting your time.

I don't need to put the video up again. It's a few posts above us... unless you are planning to delete that as well. I said there was obviously substantial internal collapse. Are you seriously saying there wasn't? How do you explain the collapse of the penthouse and the other roof structures and the obvious bowing of the building? Please feel free to actually address these questions for a change.

Clearly, you haven't read the pdf. It does a good job of explaining your willingness to deny the contents of that video.

bgamall4 says

So Bigs, pancaking from the collapsed penthouse could not have put this building into free fall.

I am surprised you don't understand that.

Duh. Who said it did?

office fire cannot collapse a building.

many experts have repeatedly stated that no building has ever gone down due to office fire.

bgamall4 says

The penthouse did collapse. But it did not cover the entire building. Yet every external support collapsed at the same time, Bigs. So the penthouse collapse had nothing to do with that.

I never said it covered the entire building, but if you watch the video I posted up, what do you see? And come on now, don't lie.

Mark D says

office fire cannot collapse a building.

A blatantly obvious falsehood.

i think that crazy imbecile is trying to say something. i have him on ignore but the site has a bug and it lets me know he responded.

I agree with bga on this point and on his overall hypothisis.
bgamall4 says

So Bigs, pancaking from the collapsed penthouse could not have put this building into free fall.

I am surprised you don't understand that.

freak80 says

They'll just die off. Like my aging Christian Fundamentalist, Fox News addicted father.

keep doing the Ganja boy... your pappy might out live you yet.

Read and weep!

http://tvbythenumbers.zap2it.com/2013/10/31/cable-news-ratings-for-wednesday-october-30-2013/212648/

Net 8PM
FOXN THE OREILLY FACTOR....... 2,962
CNN Anderson Cooper 360...........323
MSNB ALL IN W/ CHRIS HAYES......560
HLN Nancy Grace ...........................374

..
.
Net 9PM
FOXN KELLY FILE, THE.........2,350
CNN PIERS MORGAN LIVE.............340
MSNB Rachel Maddow Show...........810
.
.

Net 10PM
FOXN Hannity ........................................1,590
CNN AC360 LATER................................193
MSNB Last Word W/ L. ODONNELL.............679
HLN HLN AFTER DARK..............................211

sbh says

Ignorance is popular. Fear is profitable. Hate wins primaries. All this and you're still losing the demographics of America and you're still just looking at these numbers?

LOL! we are far more diverse than you can believe.... but we do share one
common trait.. age with wisdom... far better than young naive wiper-snapper.
We are White, Black, Asian and Latino.. I grew with up with all them and they are all very much Conservative in their views.. God Family and Country...

if there is any cult running around these days.. its the naive College Aged ...Obamatrons !
This too will pass ! You should look forward to being 30 one day.... if you make it YOU WILL CHANGE

YesYNot says

A 1200 SF house that sold for $50,000 in 1950's dollars would be worth approximately 1.03^65*50,000 = $220,000 assuming 3% annual inflation. Assuming 4%, it would be worth $525,000

not all that surprising this was a reality... it was not that long ago.. before the bubble.

http://www.nytimes.com/1997/04/27/realestate/live-work-law-for-artists-roils-san-franciscans.html

A report released this month by the National Association of Home Builders put San Francisco's median residential price for 1996 at $285,000. With prices beginning at $175,000 to $200,000, lofts are the cheapest nonsubsidized units on the market, according to David Becker, a broker with Ritchie Commercial Real Estate. They are, nonetheless, still too expensive for the artists for whom they were intended, Ms. Hestor said.

sbh says

You have no diversity, fool, otherwise why is the central plan to suppress voting?

good governance is not suppressing the votes.. as is issuing Citizenship cards..be it for voting or Medical ID ... its all common sense. that is why you have other cards to use in your everyday life. By not implementing good governance, invites fraud and misrepresentations.. And there is plenty of evidence on that front from the GAO.

sbh says

Conservatives are the least diverse of all voting groups and do you really want to know why you're doomed?

There is no stopping Voter ID systems. that will be the future very fast.

sbh says

For you, anything derived from non-Christian, non-white, non-patriarchal, non-traditional family is cancer. If you weren't losing, and knowing it, you wouldn't have to be such sleazy cheating cowards.

LOL! God Family and Country translates well in all languages and cultures.

Dan8267 says

was worth $40k in 1980, $41k in 1985, $41k in 1990, $42k in 1995, $43k in 2000, $100k in 2004, $200k in 2006, $300k in 2007, $250k in 2010, and back to $270k in 2013.

WAG, monies after dot com bust went into RE. Hi-tech guys have too much monies, could also explain current RE rally which began in SFBA.

sbh says

thomaswong.1986 says

fraud and misrepresentations.. And there is plenty of evidence on that front from the GAO.

Bullshit, prove it. Last I heard a number put on voter fraud it had five or six zeros in front of it.

‘We Don’t Have Any’ Problem of Illegal Immigrants Voting in U.S., Dem Congressmen Say -

At a discussion panel on voter identification (ID) laws held at the U.S. Capitol on Feb. 17, CNSNews.com asked Rep. John Lewis (D-Ga.): “What should be done in regards to illegal immigrants voting?”

Lewis replied, “I don’t know of any. I don’t know of any case in any -- in Georgia, in Alabama, in North Carolina, Mississippi or any parts of America -- that some illegal person, some person who’s not a citizen had cast a vote and I just think that’s a lot of say-and-do about nothing. That’s not happening.

- See more at: http://cnsnews.com/news/article/we-don-t-have-any-problem-illegal-immigrants-voting-us-dem-congressmen-say#sthash.Z4AMGvSc.dpuf

While tracking illegal immigrant voting is difficult, according to a report issued by the Commission on Federal Election Reform in 2005, the Justice Department has conducted more than 180 investigations into election fraud since October of 2002. Federal prosecutors have charged 89 individuals and convicted 52 for election-fraud offenses, including giving false voter-registration information.

adding...

"Recent events also suggest at least the strong possibility of non-citizens voting.

In 2011, Colorado’s secretary of state found by comparing drivers’ licenses that Colorado had potentially as many as 16,270 non-citizens on its voting rolls.

In 2007, the Dallas Morning News ran a piece titled “Non-citizens likely voted in Bexar County” which explained how 330 non-citizens were discovered on voting rolls after they were summoned for jury duty.

The 2004 Washington State gubernatorial election was decided by 133 votes while 1,678 illegal votes, mostly by felons, were cast. The election was upheld because there was no accurate way to determine which candidate was the recipient of the illegal votes.

According to the National Conference of State Legislatures, currently 31 states require some form of identification to vote, with eight having strict photo ID requirements. Another 29 states have no ID requirement to vote.

sbh says

thomaswong.1986 says

God Family and Country translates well in all languages

But conservatives only recognize English don't they? Any other language proves someone is an illegal or a terrorist from Kenya or is a faggot.

You've gone so far down the hate hole you can't recognize that you are defiling the principles you think define you. You don't deserve to be an American if you deny freedom to ALL AMERICANS.

what else but English.. how else do you expect immigrant be they from Kenya, Mexico, Germany Japan or Russia to converse, get jobs, and carry out a business and ordinary life even among themselves.. Or do you want these people to live in their own Ethnic Ghetto a new form of Apartheid separate from all other different groups with Liberal imposed Jim Crow laws where each one cannot communicate and cannot grow economically ... you really want to marginalize them into a corner never able to grow depended on government .. the new slavery..

You Liberals never have realized how racists you can actually be .. especially with immigrants..

Knowing English empowers immigrants.. something you know nothing of because your afraid of them.

sbh says

You don't deserve to be an American if you deny freedom to ALL AMERICANS.

If you only knew who I was..... you would be ashamed of your self.

sbh says

Targeting Democratic voters, as the GOP does, is disgusting cowardice.

sbh says

While we're on the subject, the Senate GOP has abused the filibuster with unprecedented frequency in order to suppress voting. If Harry Reid uses his power to alter the rules to kill that ability what would be your slander against him?

You prefer a dictatorship.. sure seems so!

Democracy.. is knowing there is someone

that disagrees with you.. aint it grand !

Ceffer says

White people need to be slaves for the next 3000 years at least, as reparations to the whatever races they have enslaved in the past!

Since everything is white people's fault, it is the least they can do for the principles of justice.

If it weren't for slaves, our founding fathers could never have gotten boners in old age.

If your concerned over Slavery, you should see Africa today.. Slavery is very common and you wont even find a white person to punish.. And when your
done swing across into India and South East Asia.. also common !

What kind of people would do such a thing in the modern times.. makes you wonder...

http://en.wikipedia.org/wiki/Contemporary_slavery

at best you might blame whites to wanting to stop slavery even in the human trafficking that is occurring across boards. But that would be called being Racist even by the smugglers (slavers)...

Dan8267 says

Essentially, this is what Right to Work legislation is all about: weakening labor's bargaining position by making cooperation among laborers impossible and thereby lowering labor's wages to below living wages.

then they should move to other state which has jobs. migration in the USA...

what a novel concept.. you might move east, north, south and even west !

Vicente says

It's MORNING IN AMERICA again!

Wait that was another President.

Eisenhower had good intel on Russian military. Kennedy did not.. Reagan didnt need any Intel since many already knew about the Soviet built up.. Mig 29 and Backfire bombers were well known even to the public.

bgamall4 says

Oh yeah, let's kill presidents instead of running against them. You are a fool Wong. May God curse you with a plague.

We would have been better off without the Bush's and the damage they have done to our nation and the world. We would be better off if Texas had remained with the Mexicans, but it is too late for all of that.

You must make it a career of these conspiracies.. if not 911 then the Kennedy...

The Kennedy's sold their soul to the Satan and paid the price for it..
.
.
Why dont you compare Texas today to Mexico ... its like comparing the Booming West German
nation to the failed East German state if not worst...

bgamall4 says

Mark D says

i'm surprised that you being the conspiracy theory expert hadn't know about this.

the History Channel made a documentary claiming LBJ was behind the whole thing but the higher power made them stop airing it. LBJ was bought by the Military Industrial Complex and organized the whole thing.

My bad, I admit. Did the history channel ever air it or was it buried? And is it available?

http://www.youtube.com/embed/AQzLBYZP3mE

Which god? Thor??

bgamall4 says

thomaswong.1986 says

The American people dont respect cronies who have ties to organized crime like the Mafia's, Sam Giancana, which the Kennedy's have been neck deep in for decades past. Perhaps we are better off with Kennedy's clan being out of power.

Oh yeah, let's kill presidents instead of running against them. You are a fool Wong. May God curse you with a plague.

I'm not surprised that you ignore the obvious alien connection. Do you think people can't see through your obvious attempts at misdirection??? Your plan for a "new ALIEN world order" won't work.

http://www.youtube.com/embed/ecdku_luQyc

Conversely, 'Right to work' strengthens the individual's right to offer labor for individually negotiated wage, correctly matching the skillset to wage.
Lumping everyone into a union takes away incentive to develop individual skillsets as the rewards will not match the effort given for self improvement in most cases.

'Right to work' rewards those who put in the effort to improve. Unions reward everyone, regardless of their effort.

Dan8267 says

APOCALYPSEFUCK is Comptroller says

The Constitution guarantees us all the Freedom to enslave. Without that, Freedom would have no meaning!

Essentially, this is what Right to Work legislation is all about: weakening labor's bargaining position by making cooperation among laborers impossible and thereby lowering labor's wages to below living wages.

So you can mindread every politician who favors 'right to work'....
you will be rewarded for this ability, unless you've been 'unionized'...

Dan8267 says

The politicians who propose "Right to Work" do so, not because they care about the worker, but because they want to screw over the worker.

She thinks so too, and is getting ahead of the curve....

Ceffer says

White people need to be slaves for the next 3000 years at least, as reparations to the whatever races they have enslaved in the past!

SoftShell says

Conversely, 'Right to work' strengthens the individual's right to offer labor for individually negotiated wage, correctly matching the skillset to wage.

lol. You think workers are paid for their skillset?

thomaswong.1986 says

http://tvbythenumbers.zap2it.com/2013/10/31/cable-news-ratings-for-wednesday-october-30-2013/212648/

Net 8PM

FOXN THE OREILLY FACTOR....... 2,962

CNN Anderson Cooper 360...........323

MSNB ALL IN W/ CHRIS HAYES......560

HLN Nancy Grace ...........................374

So, if Fox is so popular, then why are conservatives always whining about the Main Stream Media? Fox looks like the mainstream given these numbers. I particularly enjoy reading rants about the media.. in the National Review. Wouldn't NR be "media"? Or are they somehow outside of this definition?

thomaswong.1986 says

good governance is not suppressing the votes.. as is issuing Citizenship cards..be it for voting or Medical ID ... its all common sense. that is why you have other cards to use in your everyday life. By not implementing good governance, invites fraud and misrepresentations.. And there is plenty of evidence on that front from the GAO.

A national ID isn't a bad idea. Most developed countries have this. But opposition to this idea is generally from conservatives. I honestly don't know why.