patrick.net

Call it Crazy says

Mark D says

housing already went back to historic norms. if this chart doesn't scream BUY i don't know what does:

So what the hell are you doing sitting here typing??? Go out and buy a house.... NOW!!!

you guys must have missed some of my posts. i bought a year ago.

hrhjuliet says

Something is still not right here.

a bunch of tech companies in that area. that is expected.

Call it Crazy says

Strategist says

Example.....

I bought my first home fresh out of college in 1986 with a stated income, neg am loan. Start rate 7.95%. I lied through my teeth to get it. My parents helped me out with the 25% down.

Strategist says

My wife pays all the bills. She says I am irresponsible.

I wonder why she feels that way????

That's how women are. Most families we know, it's the wife who manages the household finances. It's biology. Females are more responsible and focused, while males are more into making money, partying and flirting with waitresses.
I have been more successful with investment decisions. It's a great partnership, which in our case has survived the 25th anniversary.

hrhjuliet says

I didn't miss the boat, I just can't get behind a market that has dramatically shifted from the historical average. I know a lot of people who were burned in the last boom and I was suspicious for the same reason the last time and even had people angry at my husband and I for not buying into the market we were told by all the experts would never go down. Well, it did go down, and it seems just as odd and questionable as the last time.

Emotional decisions are the worst decisions. Carefully thought out rational decisions based on facts is the way to go.

"This is your last chance....."
When have I heard that before? Oh yes, it was in 2005.

Better buy now or you'll be priced out forever.
They aren't making any more land!
It is an all new paradigm.
We are at a permanently high plateau.
House prices only go up!
Better buy now while interest rates are low.
etc

It's funny how the people promoting buying now are the people who have a vested interest in prices going higher (investors).

thunderlips11 says

you can't make more land

Permafrost Melting Rate Could Be Faster And Worse Than We Thought, New Study Finds

http://www.huffingtonpost.com/2013/02/22/permafrost-melting-rate-2013_n_2741486.html

bgamall4 says

Because they knew there would be people like you around and they thought the makeup differences and hair coloring would do the trick.

That wasn't the question. Try to focus for a second, bgamall. The question was, why would they PUBLISH a picture of the actress if they planned to use her to impersonate someone else? Rather than PUBLISH a picture of her, and then try to alter her appearance to make her look different than the picture, wouldn't it make more sense to simply NOT publish the picture in the first place? Are you starting to understand that your scenario makes no sense whatsoever?

bgamall4 says

But what you all have to remember is that fake crying, with hyperventilation, no tears and no redness of eyes in the absense of tears is not debunkable. You cannot debunk fake crying.

You are changing the subject. Rebekah has a cleft chin and crooked teeth. Kaitlin does not. Therefore THEY ARE NOT THE SAME PERSON. You have not responded to the point that Kaitlin does not have a cleft chin. That is part of the bone structure of the jaw, and cannot be faked. Nobody gives a shit about your "tear wiping" nonsense, because you have not addressed this far more important evidence.

John Bailo says

Permafrost Melting Rate Could Be Faster And Worse Than We Thought, New Study Finds

A even more disturbing (related) read, let's hope the speculation of the most extreme scientists is wrong.

http://www.tomdispatch.com/post/175785/tomgram%3A_dahr_jamail%2C_the_climate_change_scorecard/

(warning: you might not want to read it - very disturbing/depressing)

Miike says

Nw888 where are you looking if you dont mind me asking?

If i remember correctly from previous posts, you are looking in S. Cali area. Ive been looking in S. Cali and in certain places, it seems that prices have come down a bit.

Also, I know from previous post that your wife is a physician. I dont know what you do, but dont you think it silly that one a physician salary you cant afford a nice home in S. Cali?

I think affordability is crap in S. Cali... unless investors can maintain these prices, I feel like they ahve to come down sooner or later.

Not a problem at all. We're looking mostly in Pasadena and Altadena. Sometimes South Pasadena, and we've given up on San Marino. SP and SM are pretty pricey. I nice home, 2500-3000 sqft, is upwards of 1.6-2.1 million. We don't want to pay that much just to be in a good school district, although they are both very nice areas to live.

The whole Pasadena area, especially with slightly larger homes on 1/4-1/2 acres didn't budge too much.

We weren't ready to buy from 2009-2011. Too many life changes and chaos. That would've been the time, although most places were going for what people paid in 2005-2006, or even more.

Admittedly, we're looking for a home that is probably a bit more than most, but they sure don't feel that amazing. Just normal family homes with a pool and a decent back yard. They're still fixers that need another 150K put into them to be nice.

Miike says

JFP says

Agree completely

agree... bad time to buy in my opinion. I know others disagree here, but just a gut feeling.

I think it's ridiculously expensive, but I don't know what is realistically going to change things in the next 2 years. I think it's just going to get worse or level out. I don't see it getting better. I could be wrong though.

In the los altos and cupertino area, at least, supply is at all-fcking-times-low.

Check it out on mls. Check out 94040, which has (for the most parts) good schools in mountain view.

Likely 2014 may mean the most ridiculously high increase in housing prices ever in this area.

Unless, of course, interest rates raise to 6%, and investors start really dumping.

Would anybody consider investor dumping a high chance event in 2014/2015?

There are dozens of DIY crypto currencies
Quark
Lite
Name, to name a few

I think most are living on a knife edge, where the slightest movement means getting cut. And there's no chance of standing still to save yourself.

There's going to be blood in the streets before it's all over, metaphorically speaking, of course.

So we all agree on a few things...

1) inventory is at or near all time lows
2) interest rates are low, near all time lows
3) prices are high as bubble prices in 2006
4) affordability is horrible
5) investors are backing off
6) wages are not increasing much

Arent these all arguments to suggest that prices have no where to go but down since each of these factors will likely not be maintained at these levels?

Bitcoins arent the future? says

You're right, there are a lot of these. Most of them copied the code from bitcoin.

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

"As of December 2013, all except Ripple are based on the ideas and code of Bitcoin. By December 2013 there were more than 60 cryptocurrencies available for trade in online markets."

If you're familiar with it, Ripple is kind of like Bitcoin + Mt.Gox combined.

From what I see so far, its an awesome ForEx trading platform, if nothing else.

They are all based on nothing BUT the payment platform is very useful
There seems to be no need widespread need to hold or use these currencies other than for spec purposes. There will probably be a lot of price appreciation until the market gets saturated

Mark D says

interest are going to go up from here. historically speaking, 4.5% is very low.

the rise in interest didn't cause prices to drop so why wait?

i personally think prices go won't go up much next year if any. but they sure as hell won't go down with this level of low inventory.

I am assuming by all your posts that you are a real estate agent. The posts remind me of the ads from back when I was a kid for used car lots.

bgamall4 says

But what you all have to remember is that fake crying, with hyperventilation, no tears and no redness of eyes in the absense of tears is not debunkable. You cannot debunk fake crying.

Therefore the entire thing was a hoax. If someone died that is terrible and makes it even more wicked, but I don't believe that was the case.

But deceiving the American public like this is inexcusable. These crisis actors will live the rest of their lives being confronted by the millions of people who know they are scum.

The confrontation should not be meant to harm them as that will make liars into martyrs. No, it should be confrontation for the purpose of humiliation.

So when are you going to Sandy Hook for this 'confrontation?' Do you have a video camera?

Mark D says

women were happier before and so were Blacks that were treated well.

Sorry, but that's some fucked-ass motherless motherfucking bullshit.

JodyChunder says

Well fuck me, he might not have employed the exact words Civil and Rights, but it's not exactly a gross inference. He's working from a tea party tear sheet.

he was never asked about CR.. all he did was speak that in his town in LA, black
people were godly and respected. your applying a wide brush stroke across all
of Southern States and White people without exception.

JodyChunder says

As for entitlements and all that jazz...that's just a hobby horse for redneck nerds to gas on about. If Americans really gave a fuck about entitlements and welfare, nobody would ever use a bank or buy a Harley, or eat at McDonalds. With all due repsect, Thomas, what a ripe crock of shit.

http://www.youtube.com/embed/2GklCBvS-eI

thomaswong.1986 says

black

people were godly and respected.

No, I'm speaking empirically. I think this gentleman must be conflating stoicism or resignation or Stockhausen syndrome with Godliness. None of which vindicates pre-civil rights-era mistreatment of blacks in America.

I once beat the living shit out of a shithead kid I knew who was getting drunk and beating his wife and two boys. I ended up in county, and it was his WIFE who pressed charges. I still think I did the right thing.

JodyChunder says

Pros:

1.) two beautiful coastlines (including Siesta Key and various surfable inlets) less than an hour away.

2.) beautiful FLA snatch everywhere

3.) low-ish cost of living/no state tax/low property tax

4.) mild winters

5.) cheap international flights from OIA.

very very true...

JodyChunder says

3.) intense humidity

na.. thats a plus.. need to get my pores cleaned out.. great for detox..

Exactly. This is what Robertson was exposed to during childhood by the rabid liberal hollywood elite. Fuck up all their childhoods by forcefucking archie bunker up their ass....
What did you expect when the likes of Archie Bunker is what hollywood produced for your children to consume?

anonymous says

Phil Robertson sounds a bit like Archie Bunker:

Archie Bunker: "Well, let me tell you one thing about Richard E. Nixon. He knows how to keep his wife, Pat, home. Roosevelt could never do that with Eleanor. She was always out on the loose. Running around with the coloreds. Tellin' 'em they was gettin' the short end of the stick. She was the one who discovered the coloreds in this country; we never knew they was there!"

thomaswong.1986 says

na.. thats a plus.. need to get my pores cleaned out.. great for detox..

It is good for the skin! The desert's withered me over the years.

bgamall4 says

Why do we need to go to Sandy Hook, as if you can't tell it was a hoax without going?

Oh, I think you need to go. Nothing like personal contact with those you are accusing of pretending their children were murdered or faking seeing all those bodies in the case of the emergency services.

bgamall4 says

I don't need to go anywhere if I have visual evidence proving my case.

You have visual evidence proving the exact opposite.

bgamall4 says

When God opens those books determining who gets eternal life and who spends an eternity suffering for their deeds, I will meet you face to face. And you will not like that. http://newcovenanttheology.com

That's very Christian of you.

Perhaps you'd care to explain why you have now deleted the following post TWICE:

A .223-caliber Bushmaster XM15-E2S rifle is 6Ibs 7oz.
A loaded 10mm Glock 20SF weighs just under 40oz.
A 9mm SIG Sauer P226 weighs 32oz with an empty clip.
Add to that the ammunition (he wasn't carrying anything else), and I think you can see how he physically did it.

I take it that actual facts are an annoyance to you.

bgamall4 says

There is an election by grace. And truth is, I am not happy about it for most people. For you, well, if the power of the gospel does not save you, I won't be sad. That is fact, Bigsby. Just like Jonah, if God were to call you by grace, I would be grumpy.

Yes, yes, and all because I disagree with your lunatic conspiracy theories. Like I said, very Christian of you.

Its a good job I'm an atheist. If I was you though, I'd be very worried about what was coming. I wonder how forgiving your God is of people who falsely accuse so many people of faking their own childrens' deaths.

bgamall4 says

Here are the happy faces at Sandy Hook, and why I don't think people died. Or maybe these folks are just happy that they are now millionaires for doing a wicked hoax:

That is a classic piece of 'evidence' from you. Risible even by your standards. I wonder why the person didn't include the audio in that video...

Imagine your child had been murdered. Imagine you are being interviewed by CNN days, weeks or months later. Imagine they ask you a question... say 'what is your most cherished memory of your child.' What exactly do you think your reaction would be?

Context (and audio) help you know Bgamall, though obviously they don't help your 'argument.'

JodyChunder says

Mark D says

women were happier before and so were Blacks that were treated well.

Sorry, but that's some fucked-ass motherless motherfucking bullshit.

you apparently don't read much or are in denial.

bgamall4 says

BTW, as for being a Christian, unbelief is the greatest sin. That is the sin that all others come from. Unbelief is fixed by divine intervention in the lives of the elect while most of the world never gets that break. That is just the way it is. http://www.newcovenanttheology.com/p/scriptures-and-personal-confession-of.html

I'm an atheist so I couldn't care less what particular religious doctrine you've taken on board. You're the one that needs to pay closer attention to the beliefs you supposedly hold dear.

bgamall4 says

They are obvious hand signals. What is it that you don't understand?

Yeah, every time a mother strokes a child's hair it's a clear signal sent straight from the neocon-zionist overlords. Or not.

Mark D says

you apparently don't read much or are in denial.

No, I'm simply not a racist dickbag.

JodyChunder says

Mark D says

you apparently don't read much or are in denial.

No, I'm simply not a racist dickbag.

you get angry because it's true.

move out of your white neighborhood before you start preaching. hypocrite.

bgamall4 says

Bozo's they have the same mole. In the same place. Same odd lips, same eyes, same eyebrows, same nose.

Ah, I see you went back in the thread and deleted my picture of Kaitlin with her mouth open that shows her teeth are completely different, then posted a picture of her with her mouth closed. You still fail to explain the complete difference of the chins. And now, apparently all you have to stand on is a blurry dot on the photo. Wow, so weak. You are a fraud and a troll.

What makes you think I'm angry? I'm happy as a clam over here. But you're an out-n-out racist -- a racist who only thinly varnishes his open hatreds in think tank talking points in an effort to lend them more gravity. It doesn't work; anyone with eyes can see your spots, leopard.

bgamall4 says

Homeboy says

The question was, why would they PUBLISH a picture of the actress if they planned to use her to impersonate someone else?

She was on the team. Maybe they wanted to see how many stupid people like you there are. And there are lots.

THAT'S your answer? Dude, you really haven't thought this through, have you?

Here is a good list
http://coinmarketcap.com

Some thoughts on bitcoin
http://patrick.net/?p=1234816

bgamall4 says

Bigsby says

Imagine your child had been murdered. Imagine you are being interviewed by CNN days, weeks or months later. Imagine they ask you a question... say 'what is your most cherished memory of your child.' What exactly do you think your reaction would be?

Try to reason with me Bigsby. Clearly this lady was givine hand signals to her child:

several of the mom's hand movements are consistent with hand signals.

also the reporters' questions are extremely guiding.

They're consistent with a mother stroking her child's hair. And putting her arm around her. Amazing stuff.

And especially convincing was 'moving your coat means going through the building.' Ha, ha, ha.

What about 'up and down means lock down.' Eh?

I see a pattern here. Whatever the child says just after her mother moves her hand is what the hand movement means. Incredible. Incredibly stupid that is. I mean for crying out loud how desperate are you lot. This is a young child presumably surrounded by a large number of people being interviewed for TV. And you lot think she's parsing hand movements from her mother? Good fucking grief.

Mark D says

also the reporters' questions are extremely guiding.

They're interviewing a child. Were you expecting an interrogation?